102 Harmony Ln, Forest, VA 24551 Property Records

Bedford County property record for 102 Harmony Ln, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,665 sqft · built 1994
Lot Size	1.57 acres (68,389 sqft)
Owner	Individual Name on Record
Last Sale	$615,000 (Aug 2023)
Tax Bill	$2,179 (2023)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`135 18 12`

Property Details

APN / Parcel Number

Primary APN	`135 18 12`
Alternative APNs	`13500044` `513717`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,665 sqft Living Area
Gross Area	4,789 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	68,389 sqft (1.57 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	604 sqft
Deck Area	318 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	513717
Street Address	102 HARMONY LN
City	FOREST
State	VA
Zip	24551-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MT HAVENLT 12 SEC 3
Legal Subdivision	MT HAVEN
Legal Lot Number	12
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	2
Census Block	2006
Census Tract	30203

Owner

Source: Bedford County records, as of September 12, 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	102 HARMONY LN, FOREST, VA 24551-2114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Warranty Deed, Transfer · FHA Mortgage INTEGRITY HOME MORTGAGE CORPORATION
Jan 18, 2022	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Sep 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 23, 2017	Deed of Trust, Mortgage · Line of Credit THE FIRST BANK AND TRUST COMPANY
Dec 7, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Dec 7, 2018 · Amount on Record
Deed Document Number	230006876
Record Updated	Jun 7, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Aug 21, 2023
Property Address	102 HARMONY LN, FOREST, VA 24551-2114
Document Number	0230006876
Instrument Date	Aug 17, 2023
Instrument	230006876
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	PERFORMANCE TITLE AND SETTLEMENT, PERFORMANCE TITLE AND STLMNT

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	102 HARMONY LN, FOREST, VA 24551-2114

Mortgage

Document Number	0230006877
Date	Aug 21, 2023
Instrument	230006877

Lender

Name	INTEGRITY HOME MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	102 HARMONY LN, FOREST, VA 24551-2114
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000723
Date	Jan 18, 2022
Instrument	220000723

Lender

Name	PINNACLE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 4, 2042

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	102 HARMONY LN, FOREST, VA 24551-2114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS TITLE INC, TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190008320
Date	Sep 10, 2019
Instrument	190008320

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

Interest

Rate Type	Fixed Rate
Rate	4.13%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	102 HARMONY LN, FOREST, VA 24551-2114
Transaction Type	Mortgage
Record Updated	Dec 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170007882
Date	Aug 23, 2017
Instrument	170007882

Lender

Name	THE FIRST BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 2, 2022

Interest

Rate Type	Adjustable Rate

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Dec 7, 2018
Property Address	102 HARMONY LN, FOREST, VA 24551-2114
Document Number	180011111
Instrument Date	Dec 4, 2018
Instrument	180011111
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	SEVEN HILLS TITLE, SEVEN HILLS SETTTLEMENT

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	102 HARMONY LN, FOREST, VA 24551-2114

Mortgage

Document Number	180011112
Date	Dec 7, 2018
Instrument	180011112

Lender

Name	WELLS FARGO BANK NA

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	$2,179.00 Additional exemption filed	$265,750	$531,500 Land $75,000 Building $456,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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 65% of the US · above 58% of Virginia
Wildfire Likelihood	0.05% 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Glo Fiber Cable	1,200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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