Bedford County property record for 1027 Shade Tree Dr, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,317 sqft · built 2005 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,398 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 81 6 4 |
| Primary APN | 81 6 4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,317 sqft Living Area |
| 1st Floor Area | 1,124 sqft |
| Basement Area | 1,124 sqft |
| Unfinished Basement | 1,124 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,075 sqft (0.92 acres) |
| Porch | Porch |
| Porch Area | 100 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 1027 SHADE TREE DR |
|---|---|
| City | FOREST |
| State | VA |
| Zip | 24551-4321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHADE TREE LT 4 SEC 1 PB 35/337 |
| Legal Subdivision | SHADE TREE |
| Legal Lot Number | 4 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 5 |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 30101 |
Source: Bedford County records · APN 81 6 4
Assessment roll updated July 23, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1027 SHADE TREE DR, FOREST, VA 24551-4321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Dec 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Jun 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Jul 30, 2026 |
| Property Address | 1027 SHADE TREE DR, FOREST, VA 24551-4321 |
| Document Number | 0000007073 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 20267073 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1027 SHADE TREE DR, FOREST, VA 24551-4321 |
| Document Number | 0000007073, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 20267073 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.84% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1027 SHADE TREE DR, FOREST, VA 24551-4321 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210017778 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 210017778 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1027 SHADE TREE DR, FOREST, VA 24551-4321 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210009049 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 210009049 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 284 Months |
| Due | Feb 01, 2045 |
| Rate Type | Fixed Rate |
|---|
Source: Bedford County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,398.00 | $341,000 (+1%) Land $58,000 Building $283,000 | |
| 2023 | $1,398.00 Additional exemption filed | $170,500 | $341,000 Land $58,000 Building $283,000 |
Source: FEMA National Flood Hazard Layer, Bedford County (51019C), updated September 29, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 47 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Cable | 1,200 / 50 |
May also be available: T-Mobile USA, Xfinity.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | BEDFORD REGIONAL WATER AUTHORITY (BRWA) serves 38,794 people |
|---|---|
| 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 |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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