if you have debunked every possible logical explanation, either a spirit is trying to tell you something that the bell sound is similar to or reminds you of, or you're having a premonition (they're not always bad). It could also be residual energy from a church that used to be there. Do research, it should tell you if a church was there at least.
What you experienced sounds remarkably like the auditory condition known as tinnitus. It may manifest as a range of different sounds, although the primary manifest is most frequently as a ringing sound not unlike the ring of a bell - in some cases, the internal sound may be likened to music. <br />
Tinnitus - or ringing in ears - Action On Hearing Loss: RNID<br />
this could be the logical explanation
Yes some people do.