Title insurance protects the owner of a property or lender against any losses that may occur as a result of a problem with the property’s title. The title to a property is a legal document that shows who owns the property. If there is a problem with the title, it could affect the owner’s right to use and sell the property.
Title insurance in Bedford County, and everywhere else in the United States, is typically purchased when a property is bought or refinanced. It protects the owner or lender against losses that may arise from disputes over the ownership of the property. For example, if someone else claims to have a right to the property, or if there are any liens or encumbrances on the property that were not disclosed before the sale, the title insurance policy will cover the costs of resolving these issues.
In simple terms, title insurance helps to protect the owner or lender of a property from any problems that may arise with the property’s title, ensuring that they have the legal right to use and sell the property as they see fit.
BEDFORD COUNTY TITLE INSURANCE
The County of Bedford was established on March 9, 1771 from parts of Cumberland County, and is named for the fort that tamed the area for settlers to 
follow. At the county seat, you will find the oldest Pennsylvania County Courthouse still in use. The fourteen covered bridges that dot the county landscape are another sign of the area’s rich history.
With a population of 49,762 (2010 census) and a size of 1,017 square miles, Bedford County residents enjoy quaint towns in a rural setting that is conveniently located in south central Pennsylvania, just hours away from Pittsburgh, Harrisburg, Baltimore and Washington DC. Hospitality abounds from modern hotels, historic taverns, peaceful bed and breakfasts and the grand Omni Bedford Springs Resort. One can also enjoy the great mountains, rivers and lakes that offer outdoor recreation.
BOROUGHS: Bedford, Coaldale, Everett, Hopewell, Hyndman, Manns Choice, New Paris, Pleasantville, Rainsburg, Saxton, Schellsburg, St. Clairsville, Woodbury
TOWNSHIPS: Bedford Township, Bloomfield Township, Broad Top Township, Colerain Township, Cumberland Valley Township, Harrison Township, Hopewell Township, Juniata Township, Kimmel Township, King Township, Liberty Township, Lincoln Township, Londonderry Township, Mann Township, Monroe Township, Napier Township, East Providence Township, West Providence Township, Snake Spring Township, Southampton Township, East St. Clairsville Township, West St. Clairsville Township, Pavia Township, Woodbury Township, South Woodbury Township
Tax Collectors
Bedford Borough
Cathy Jones
P.O. Box 454
Bedford, PA 15522
814.623.9371 or 814.623.5984
Broad Top Township
Gail Donelson
102 Miller Road
Six Mile Run, PA 16679
814.928.5458
Cumberland Valley Township
Susan Llewellyn
5114 Bedford Valley Road
Bedford, PA 15522
814.356.3295
Hopewell Borough
Sandra Brown
P.O. Box 182
Hopewell, PA 16650
814.928.4584
Juniata Township
Carol Whitfield
733 Smoky Ridge Road
Schellsburg, PA 15559
814.733.4337
Liberty Township
Brenda Bowser
573 Raven Run Road
Saxton, PA 16678
814.635.0574
Mann Township
Evelyn Clingerman
2760 Clear Ridge Road
Clearville, PA 15535
814-784-5420
Napier Township
Tonia Shaffer
548 Miller Road
Schellsburg, PA 15559
814.733.2871
East Providence Township
Betty Wilt
669 E. Graceville Road
Breezewood, PA 15533
814.735.4947
Saxton Borough
Barbara Meck
904 Norris Street
Saxton, PA 15559
814.635.3021
Southampton Township
Debbie Dicken
3388 Chaneysville Road
Clearville, PA 15535
814.784.3178
West St. Clairsville Township
Susan Bence
906 Oldham Road
Alum Bank, PA 15521
814.839.4082
Woodbury Township
Carolyn Tracey
221 Mill Street
Woodbury, PA 16695
814.766.3875
Bedford Township
Rose Barefoot
1366 Younts Road
Bedford, PA 15522
814.585.1019
Coaldale Borough
Carol Foore
P.O. Box 23
Six Mile Run, PA 16679
814-928-5426
Everett Borough
Karen Foor
831 West Street
Everett, PA 15537
814.652.5148
Hopewell Township
Shirley Mellott
1244 Raystown Road
Everett, PA 15537
814.652.6076
Kimmel Township
Jackie Black
2097 Queen Road
Queen, PA 16670
814.239.2475
Lincoln Township
Barbara Allison
198 Berkey Hollow Road
Alum Bank, PA 15521
814.276.3939
Manns Choice Borough
Cynthia Prugh
205 Main Street
Manns Choice, PA 15550
814.624.0303
New Paris Borough
Kerri Mickel **
4099 Cortland Drive
New Paris, PA 15554
814.839.4984
West Providence Township
Elaine Hayes
111 Adams Street
Everett, PA 15537
814-652-5626
Schellsburg Borough
Maxine Barrack
P.O. Box 74
Schellsburg, PA 15559
814.733.2295
St. Clairsville Borough
Anna Ickes
264 Main Street
Osterburg, PA 16667
814.276.3709
Pavia Township
Renee Fitzpatrick
139 Pavia Road
Imler, PA 16655
814.276.9576
South Woodbury Township
Debbie Mellott
1847 Woodbury Pike
Loysburg, PA 16659
814.766.3557 or 766.2383
Bloomfield Township
Beverly Ritchey
3375 Lafayette Road
Bakers Summit, PA 16673
814-224-5938
Colerain Township
Mary Ellen Littlefield
2218 Diehl Road
Bedford, PA 15522
814.847.2495
Harrison Township
Christiana Diehl
5548 Diehl Road
Manns Choice, PA 15550
814.623.2267
Hyndman Borough
Adele Merkel
P.O. Box 225
Hyndman, PA 15545
814.842.6072
King Township
Wanda Whitcomb
178 Hollidaysburg Street
Osterburg, PA 16667
814.276.3342
Londonderry Township
Kelly Harshberger
P.O. Box 5
Hyndman, PA 15545
814.842.9226 or 842.3462
Monroe Township
Theresa Howsare
P.O. Box 274
Everett, PA 15537
814.652.9385
Pleasantville Borough
Linda Felix
110 Main Street
Alum Bank, PA 15521
814.839.4412
Rainsburg Borough
Dusty Howsare
3209 Main Road
Bedford, PA 15522
814-652-5626
Snake Spring Township
Anna Swindell
613 Lutzville Road
Everett, PA 15537
814.847.2855
East St. Clairsville Township
Karen Daugherty
966 Adams Run Road
Bedford, PA 15522
814.839.4161
Woodbury Borough
Carol Snyder
P.O. Box 44
Woodbury, PA 16695
814.766.2738
Recorder of Deeds
Bedford County
Faith A. Zembower – Register Recorder
200 South Juliana Street
Bedford, PA 15522
The schedule of fees below would be for documents with a maximum of 4 names and 4 pages.
Each Additional Name $0.50
Each Additional Page $2.00
Draft 1 20×24 inches $ 9.00
Draft 2 Over 24 inches $13.00
Mailed Instruments
Fee charged for returning instruments by mail is $0.50.
For entering marginal notations on the records such as extensions, postponements, assignments, releases, modifications and subordinations are $44.00.
Fee Notation TOTAL
| Deeds | $42.00 | ||
| Mortgages | $42.00 | ||
| Satisfaction Piece | $42.00 | ||
| Power of Attorney | $18.50 | ||
| Assignment of Mortgage | $42.00 | $2.00 | $44.00 |
| Release of Mortgage | $42.00 | $2.00 | $44.00 |
| Partial Release | $42.00 | $2.00 | $44.00 |
| Installment Sales Agreements or Memorandums | $44.00 | ||
| Agreement | $18.50 | ||
| Easement | $42.00 | ||
| Right-of-Way | $42.00 | ||
| Decree to Quiet Title | $18.50 | ||
| Award of Real Estate | $42.00 | ||
| Declaration of Taking | $18.50 | ||
| Oil & Gas Lease | $42.00 | ||
| Surrender of Oil & Gas Lease | $18.50 | $2.00 | $20.50 |
| Lease Agreement | $42.00 | ||
| Leases for a term of thirty (30) years or longer or Memorandums | $42.00 | ||
| Protective Covenants | $18.50 | ||
| Revocation of Power of Attorney | $18.50 | ||
| Permit | $18.50 | ||
| Ordinances | $18.50 | ||
| Notary Bond & Commission | $41.50 | ||
| Certified Copies | $1.00 + .25 for each copy | ||
| Financing Statement on Approved Forms | $100.00 | ||
| Termination of Financing Statements | $100.00 | ||
| Continuation of Financing Statement | $100.00 | ||
| Amendment of Financing Statement | $100.00 | ||
| State Highway, Sub-Division plans, mining plans | $16.50 | ||
| Each Additional Page | $ 3.00 | ||
| Each Name Indexed | $ .50 | ||
| Military Discharge, Certificate of Service, Separation Form Known as DD Form 214, or other similar forms Certified Copies of military papers | NO CHARGE | ||
| Affidavit | $18.50 | ||
| Amendment | $18.50 | $2.00 | $20.50 |
| Cancellation | $18.50 | $2.00 | $20.50 |
| Condemnation | $18.50 | ||
| Extension | $18.50 | $2.00 | $20.50 |
| Modification | $18.50 | $2.00 | $20.50 |
| Release | $42.00 | $2.00 | $44.00 |
| Restriction | $18.50 | ||
| Subordination | $18.50 | $2.00 | $20.50 |
| Termination | $18.50 | $2.00 | $20.50 |
| Order | $18.50 | ||
| Assumption | $18.50 | ||
| Bankruptcy | $18.50 | ||
| Charter | $18.50 | ||
| Claim | $18.50 | ||
| Consent | $18.50 | ||
| Continuation | $18.50 | $2.00 | $20.50 |
| Contract | $18.50 | ||
| Certificate | $18.50 | ||
| Disclaimer | $18.50 | ||
| Election | $18.50 | ||
| Mineral Rights | $18.50 | ||
| Merger | $18.50 | ||
| Notice | $18.50 | ||
| Notary name change | $18.50 | ||
| Option | $18.50 | ||
| Partial Assignment | $18.50 | $2.00 | $20.50 |
| Partial Waiver | $18.50 | $2.00 | $20.50 |
| Postponement | $18.50 | ||
| Renunciation | $18.50 | ||
| Rider | $18.50 | ||
| Partial Satisfaction | $18.50 | $2.00 | $20.50 |
| Stipulation | $18.50 | ||
| Statement | $18.50 | ||
| Trust | $18.50 | ||
| Waiver | $18.50 | ||
| Ratification | $18.50 | $2.00 | $20.50 |
| Decree | $18.50 |
