696 E Watson St, Bedford, PA 15522 Property Records

Bedford County property record for 696 E Watson St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	1,701 sqft · built 1960
Lot Size	0.495 acres (21,562 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Oct 2006)
Tax Bill	$3,097 (2026)
Deeds & Mortgages	Dec 2018 Line of Credit May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.05-086`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.05-086`
Alternative APN	`010-000220`

Interior

Stories	1 Story
Building Area	1,701 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	21,562 sqft (0.495 acres)
Shed	1 Shed

Location & Zoning

Street Address	696 E WATSON ST
City	BEDFORD
State	PA
Zip	15522-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	696 E WATSON ST
Legal Subdivision	DR H A SHIMER
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	696 E WATSON ST, BEDFORD, PA 15522-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
May 23, 2023	Deed, Transfer · Conventional Mortgage EMM LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2006 · Amount on Record
Deed Sale	Oct 11, 2006 · Amount on Record
Deed Document Number	20066818
Deed Book / Page	1144 / 831
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	696 E WATSON ST, BEDFORD, PA 15522-2106
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02018/5599
Date	Dec 12, 2018
Book Page	2018/5599
Instrument	2018-005599

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 21, 2043

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	May 23, 2023
Property Address	696 E WATSON ST, BEDFORD, PA 15522-2106
Document Number	02023/2086
Book / Page	2023 / 2086
Map Reference	MB 2 PG 33
Instrument Date	May 22, 2023
Instrument	2023-002086
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	CENTRAL PA SETTLEMENT SERVICES LLC, CENTRAL PA STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	696 E WATSON ST, BEDFORD, PA 15522-2106

Mortgage

Document Number	2023002087
Date	May 23, 2023
Instrument	2023-002087

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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	$3,097.00 (+0.23%)	$167,000 (-) Land $41,000 Building $126,000	$167,000 (-) Land $41,000 Building $126,000
2025			$167,000 (-) Land $41,000 Building $126,000
2023	$3,090.00 Additional exemption filed	$167,000 Land $41,000 Building $126,000
2012			$167,000 Land $41,000 Building $126,000

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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