1029 Valor Ct, Forest, VA 24551 Property Records

Bedford County property record for 1029 Valor Ct, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,511 sqft · built 2011
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$214,900 (Mar 2013)
Tax Bill	$1,161 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`153 25 84`

Property Details

APN / Parcel Number

Primary APN	`153 25 84`
Alternative APNs	`90507428` `465037`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,511 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1029 VALOR CT
City	FOREST
State	VA
Zip	24551-1296
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERFIELD LT 84 PB 47/6
Legal Subdivision	SUMMERFIELD
Legal Lot Number	84
Jurisdiction	BEDFORD VA
Township / Civil Division	3
Census Block Group	2
Census Block	2030
Census Tract	30204

Owner

Source: Bedford County records, as of July 21, 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	1029 VALOR CT, FOREST, VA 24551-1296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION
Nov 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
May 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANPAL LLC
Jun 13, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2013 · Amount on Record
Deed Sale	Mar 15, 2013 · Amount on Record
Prior Sale	Jul 7, 2011 · Amount on Record
Deed Document Number	20132988
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	May 4, 2026
Property Address	1029 VALOR CT, FOREST, VA 24551-1296
Document Number	0000003922
Instrument Date	Apr 27, 2026
Instrument	20263922
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1029 VALOR CT, FOREST, VA 24551-1296

Mortgage

Document Number	0000003922,
Date	May 4, 2026
Instrument	20263922

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.38%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1029 VALOR CT, FOREST, VA 24551-1296
Transaction Type	Mortgage
Record Updated	Jan 3, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230009899
Date	Nov 30, 2023
Instrument	230009899

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1029 VALOR CT, FOREST, VA 24551-1296
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210007737
Date	May 25, 2021
Instrument	210007737

Lender

Name	LOANPAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1029 VALOR CT, FOREST, VA 24551-1296
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220006690
Date	Jun 13, 2022
Instrument	220006690

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

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	$1,161.00	$283,200 (+1%) Land $55,000 Building $228,200
2023	$1,161.00 Additional exemption filed	$141,600	$283,200 Land $55,000 Building $228,200

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	1 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	Direct burnable vegetation

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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	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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