1028 Cobblestone Ln, Forest, VA 24551 Property Records

Bedford County property record for 1028 Cobblestone Ln, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$224,000 (Apr 2017)
Tax Bill	$1,204 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`99 20 3`

Property Details

APN / Parcel Number

Primary APN	`99 20 3`
Alternative APNs	`90509724` `497797`

Exterior

Lot Area	5,227 sqft (0.12 acres)

Location & Zoning

Street Address	1028 COBBLESTONE LN
City	FOREST
State	VA
Zip	24551-1880
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARMINGTON AT FOREST SEC 16 LT 3 PB 50/128
Legal Subdivision	FARMINGTON AT FOREST SEC 1
Legal Lot Number	3
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	1
Census Block	1011
Census Tract	30103

Owner

Source: Bedford County records, as of July 8, 2026

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
Mailing Address	1028 COBBLESTONE LN, FOREST, VA 24551-1880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Sep 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER
Apr 18, 2017	Warranty Deed, Transfer · Conventional Mortgage SELECT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2017 · Amount on Record
Deed Sale	Apr 18, 2017 · Amount on Record
Prior Sale	Oct 23, 2015 · Amount on Record
Deed Document Number	20173449
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Jun 25, 2026
Property Address	1028 COBBLESTONE LN, FOREST, VA 24551-1880
Document Number	0000005855
Instrument Date	Jun 20, 2026
Instrument	20265855
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 COBBLESTONE LN, FOREST, VA 24551-1880

Mortgage

Document Number	0000005855,
Date	Jun 25, 2026
Instrument	20265855

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.51%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1028 COBBLESTONE LN, FOREST, VA 24551-1880
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210012860
Date	Sep 7, 2021
Instrument	210012860

Lender

Name	MR COOPER

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 18, 2017
Property Address	1028 COBBLESTONE LN, FOREST, VA 24551-1880
Document Number	0170003449
Instrument Date	Apr 17, 2017
Instrument	170003449
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	1028 COBBLESTONE LN, FOREST, VA 24551-1880

Mortgage

Document Number	0170003450
Date	Apr 18, 2017
Instrument	170003450

Lender

Name	SELECT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of August 1, 2025

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
2025	$1,204.00	$293,800 (+1%) Land $50,000 Building $243,800
2023	$1,204.00 Additional exemption filed	$146,900	$293,800 Land $50,000 Building $243,800

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% 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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Glo Fiber Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Nearby Properties on Cobblestone Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures