688 E Watson St, Bedford, PA 15522 Property Records

Bedford County property record for 688 E Watson St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	3,008 sqft · built 1957
Lot Size	0.348 acres (15,159 sqft)
Owner	2 Individual Names on Record
Last Sale	$97,500 (Nov 2005)
Tax Bill	$4,647 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.05-087`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.05-087`
Alternative APN	`010-000180`

Interior

Stories	1 Story
Building Area	3,008 sqft Living Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	15,159 sqft (0.348 acres)

Location & Zoning

Street Address	688 E WATSON ST
City	BEDFORD
State	PA
Zip	15522-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	688 E WATSON ST
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	2 Individual Names on Record
Mailing Address	688 E WATSON ST, BEDFORD, PA 15522-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMONWEALTH BANK
Dec 6, 2017	Deed of Trust, Mortgage · Line of Credit PATRIOT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2005 · Amount on Record
Deed Sale	Nov 16, 2005 · Amount on Record
Deed Document Number	20058358
Deed Book / Page	1096 / 575
Last Transfer Date	Jun 11, 2010
Transfer Doc	003103
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	688 E WATSON ST, BEDFORD, PA 15522-2106
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	688 E WATSON ST, BEDFORD, PA 15522-2106

Mortgage

Document Number	2021/4767
Date	Aug 12, 2021
Book Page	2021/4767
Instrument	2021-004767

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	BEDFORD, PA 15522

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 15, 2041

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	688 E WATSON ST, BEDFORD, PA 15522-2106
Transaction Type	Mortgage
Record Updated	Dec 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-006269
Date	Dec 6, 2017
Instrument	2017-006269

Lender

Name	PATRIOT FCU
Type	Credit Union
Address	CAMP HILL, PA 17001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,647.00 (+8.12%)	$237,300 (-) Land $37,700 Building $199,600	$237,300 (-) Land $37,700 Building $199,600
2025	$4,298.00 (-2.12%)	$237,300 (-) Land $37,700 Building $199,600	$237,300 (-) Land $37,700 Building $199,600
2023	$4,391.00 Additional exemption filed	$237,300 Land $37,700 Building $199,600
2012			$237,300 Land $37,700 Building $199,600

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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