101 Mill Lake Rd, Huddleston, VA 24104 Property Records

Bedford County property record for 101 Mill Lake Rd, Huddleston, VA 24104

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1991
Owner	Individual Name on Record
Last Sale	$260,000 (May 2020)
Tax Bill	$1,066 (2023)
Deeds & Mortgages	Nov 2021 Refinance May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`258C 11 1`

Property Details

APN / Parcel Number

Primary APN	`258C 11 1`
Alternative APNs	`25828000` `526805`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	2,592 sqft

Exterior

Year Built	Built 1991
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Deck Area	724 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	526805
Street Address	101 MILL LAKE RD
City	HUDDLESTON
State	VA
Zip	24104-3039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY MILLS CNG UNIT 1
Legal Subdivision	VALLEY MILLS XING
Legal Unit	1
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	3
Census Block	3015
Census Tract	30503

Owner

Source: Bedford County records, as of August 14, 2023

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
Co-owner	Co-owner on Record
Mailing Address	1169 E SIDE HWY, WAYNESBORO, VA 22980-8301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PLANET HOME LENDING LLC
May 5, 2020	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION
Aug 24, 2018	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2020 · Amount on Record
Deed Sale	May 5, 2020 · Amount on Record
Prior Sale	Aug 24, 2018 · Amount on Record
Deed Document Number	200004517
Record Updated	Jun 7, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	101 MILL LAKE RD, HUDDLESTON, VA 24104-3039
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210015541
Date	Nov 1, 2021
Instrument	210015541

Lender

Name	PLANET HOME LENDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	May 5, 2020
Property Address	101 MILL LAKE RD, HUDDLESTON, VA 24104-3039
Document Number	0200004517
Instrument Date	Apr 27, 2020
Instrument	200004517
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1169 E SIDE HWY, WAYNESBORO, VA 22980-8301

Mortgage

Document Number	0200004518
Date	May 5, 2020
Instrument	200004518

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Aug 24, 2018
Property Address	101 MILL LAKE RD, HUDDLESTON, VA 24104-3039
Document Number	0180007797
Instrument Date	Jul 26, 2018
Instrument	180007797
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 INDIAN RUN RD, SALEM, WV 26426-8577

Mortgage

Document Number	0180007798
Date	Aug 24, 2018
Instrument	180007798

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	Virginia
County	Bedford County
Unified School District	Bedford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,066.00 Additional exemption filed	$130,000	$260,000 Land $100,000 Building $160,000

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 September 29, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (2003–2020)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Nov 2020 · river or lake flooding

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 · lower than 71% of Virginia
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	BEDFORD REGIONAL WATER AUTHORITY (BRWA) serves 38,794 people · EPA ID VA5019052
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	2 ppb (2024–2026) action level 15 ppb
Copper	1.52 mg/L (2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: SMLW Broadband, Verizon.

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