676 E Watson St, Bedford, PA 15522 Property Records

Bedford County property record for 676 E Watson St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	1,124 sqft · built 2003
Lot Size	0.261 acres (11,369 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2021)
Tax Bill	$2,628 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.05-089`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.05-089`
Alternative APN	`010-000179`

Interior

Stories	1 Story
Building Area	1,124 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	11,369 sqft (0.261 acres)
Shed	1 Shed

Location & Zoning

Street Address	676 E WATSON ST
City	BEDFORD
State	PA
Zip	15522-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	676 E WATSON ST
Legal Subdivision	DR H A SHIMER ADDITION
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4014
Census Tract	960700

Owner

Source: Bedford County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	676 E WATSON ST, BEDFORD, PA 15522-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN BANK OF PENNSYLVANIA
Sep 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
May 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Sep 12, 2003 · Amount on Record
Deed Document Number	20211883
Deed Book / Page	2021 / 1883
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD PA
Recording Date	Apr 1, 2021
Property Address	676 E WATSON ST, BEDFORD, PA 15522-2106
Document Number	2021/1883
Book / Page	2021 / 1883
Map Reference	MB 6 PG 187
Instrument Date	Mar 31, 2021
Instrument	2021-001883
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	676 E WATSON ST, 676, BEDFORD, PA 15522-2106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 S RICHARD ST APT A, A, BEDFORD, PA 15522-1380

Mortgage

Document Number	2021001884
Date	Apr 1, 2021
Instrument	2021-001884

Lender

Name	HOMETOWN BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	676 E WATSON ST, BEDFORD, PA 15522-2106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/4503
Date	Sep 2, 2020
Book Page	2020/4503
Instrument	2020-004503

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BEDFORD, PA 15522

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	676 E WATSON ST, BEDFORD, PA 15522-2106
Transaction Type	Mortgage
Record Updated	May 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/1838
Date	May 2, 2018
Book Page	2018/1838
Instrument	2018-001838

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BEDFORD, PA 15522

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Apr 20, 2038

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Bedford County
Municipality	Bedford Borough
Unified School District	Bedford Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,628.00 (-2.52%)	$145,700 (-) Land $35,700 Building $110,000	$145,700 (-) Land $35,700 Building $110,000
2025			$145,700 (-) Land $35,700 Building $110,000
2023	$2,696.00 Additional exemption filed	$145,700 Land $35,700 Building $110,000
2012			$145,700 Land $35,700 Building $110,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1979–2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MUN AUTH OF BORO OF BEDFORD serves 5,127 people · EPA ID PA4050002
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Oct 2018
Monitoring and Reporting	18 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Crowsnest Broadband Fixed Wireless	400 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Breezeline, T-Mobile.

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