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Single Family ResidenceResidential
$172,880$150 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 44How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

109 UNION ST

BEDFORD, PA 15522
0
Baths
1,152 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2,570 ft²
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$173K
$77K low$269K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$908 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$41,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$24,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$41,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$41,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
66
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
18
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBEDFORD
Lot (acres)The size of the land the home sits on, from county records.0.06
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Bedford High SchoolA-
High · Grades 9–12 · 0.3 mi
M
Bedford Middle SchoolB+
Middle · Grades 6–8 · 0.5 mi
E
Bedford Elementary SchoolC
Elementary · Grades KG–5 · 1.2 mi

District: Bedford Area School District

Neighborhood · ZIP 15522These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.35

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.11,861
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.63 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,378
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$75,687
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Union St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 71% of homes in Bedford 15522
  • Smaller than 73% of homes in Bedford 15522
  • Has a smaller lot than 98% of homes in Bedford 15522
  • Older than 86% of homes in Bedford 15522

What homes are worth in Bedford 15522

Each bar is how many homes fall in that price range. The marker is this home.

This home
$61K$653K

This home is worth more than 29% of homes in Bedford 15522.

How it measures up in Bedford 15522

The dot is this home. The mark in the middle is the typical home in Bedford 15522.

Estimated value$172,880
CheaperTypical $226,044Pricier

Pricier than 29% of homes nearby

Price per ft²$150
CheaperTypical $148Pricier

Pricier than 53% of homes nearby

Living area1,152 ft²
SmallerTypical 1,537 ft²Bigger

Bigger than 27% of homes nearby

Lot size2,570 ft²
SmallerTypical 0.95 acBigger

Bigger than 2% of homes nearby

Year built1900
OlderTypical 1963Newer

Newer than 14% of homes nearby

How 109 Union St ranks against every home in each area.
MeasureThis homeBedford 15522Bedford County
Estimated valuepricier than$172,88029% of homes34% of homes
Price per ft²pricier than$15053% of homes53% of homes
Living areabigger than1,152 ft²27% of homes30% of homes
Lot sizebigger than2,570 ft²2% of homes2% of homes
Year builtnewer than190014% of homes16% of homes

About 109 Union St

How much is 109 Union St, Bedford, PA worth?

The TopHap Estimate for 109 Union St, Bedford, PA is $172,880 as of Sep 24, 2026. The likely range is $76,634 to $269,126. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Union St, Bedford, PA last sell?

109 Union St, Bedford, PA last sold on Sep 1, 1996, according to the county's recorded deed.

How big is 109 Union St, Bedford, PA?

109 Union St, Bedford, PA has 1,152 square feet of living space and a 0.06-acre lot.

When was 109 Union St, Bedford, PA built?

109 Union St, Bedford, PA was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 109 Union St, Bedford, PA?

109 Union St, Bedford, PA is assigned to Bedford High School (high), rated A-; Bedford Middle School (middle), rated B+; Bedford Elementary School (elementary), rated C. All sit in Bedford Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Union St, Bedford, PA compare to other homes in Bedford 15522?

Among the 5,263 homes in Bedford 15522, it is worth more than 29% of them ($172,880 against a typical $226,044), its price per square foot is higher than 53% of them ($150 against a typical $148), it is bigger than 27% of them (1,152 ft² against a typical 1,537 ft²), its lot is bigger than 2% of them (2,570 ft² against a typical 0.95 ac) and it is newer than 14% of them (1900 against a typical 1963). Measured against all of Bedford County, it is worth more than 34% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Union St, Bedford, PA?

The 2026 property tax bill for 109 Union St, Bedford, PA was $908. The county assessed it at $41,200.

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Assigned schools

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