103 Capital Ln, Forest, VA 24551 Property Records

Bedford County property record for 103 Capital Ln, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,378 sqft · built 1988
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Sep 2025)
Tax Bill	$1,096 (2025)
Deeds & Mortgages	Dec 2022 Mortgage May 2009 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`117F 3 54`

Property Details

APN / Parcel Number

Primary APN	`117F 3 54`
Alternative APNs	`11767000` `532718`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,378 sqft Living Area
Gross Area	2,242 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Porch	Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	532718
Street Address	103 CAPITAL LN
City	FOREST
State	VA
Zip	24551-2030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JEFFERSON WOODS LT 54 SC2
Legal Subdivision	JEFFERSON WOODS
Legal Lot Number	54
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	3
Census Block	3004
Census Tract	30104

Owner

Source: Bedford County records, as of October 1, 2025

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	205 CASCADE CT, LYNCHBURG, VA 24502-4483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage · Commercial Mortgage FREEDOM FIRST FEDERAL CREDIT UNION
May 22, 2009	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Dec 28, 2009	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK MORTGAGE
Jul 13, 2005	Deed of Trust, Mortgage SUNTRUST BANK
Aug 1, 2005	Deed of Trust, Mortgage · Conventional Mortgage GMAC MORTGAGE CORP
Sep 15, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025 · Amount on Record
Deed Sale	Sep 15, 2025 · Amount on Record
Prior Sale	Dec 15, 2009
Deed Document Number	250007865
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	103 CAPITAL LN, FOREST, VA 24551-2030
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220013338
Date	Dec 20, 2022
Instrument	220013338

Lender

Name	FREEDOM FIRST FEDERAL CREDIT UNION

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	103 CAPITAL LN, FOREST, VA 24551-2030
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0090006132
Date	May 22, 2009
Instrument	090006132

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	LAWRENCEVILLE, VA 23868

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	103 CAPITAL LN, FOREST, VA 24551-2030
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	INTEGRITY TITLE AND SETTLEMENT LLC, INTEGRITY TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0090015005
Date	Dec 28, 2009
Instrument	090015005

Lender

Name	FIRST BANK MORTGAGE
Type	Mortgage Company
Address	AUGUSTA, GA 30909

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2040

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	103 CAPITAL LN, FOREST, VA 24551-2030
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0050010981
Date	Jul 13, 2005
Instrument	050010981

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	103 CAPITAL LN, FOREST, VA 24551-2030
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0050012146
Date	Aug 1, 2005
Instrument	050012146

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2020

Interest

Rate	5.62%

September 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 15, 2025
Property Address	103 CAPITAL LN, FOREST, VA 24551-2030
Document Number	0250007865
Map Reference	CAB 24 SL 15
Instrument Date	Sep 12, 2025
Instrument	250007865
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	PIKE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	205 CASCADE CT, LYNCHBURG, VA 24502-4483

Mortgage

Document Number	0250007866
Date	Sep 15, 2025
Instrument	250007866

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 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	$1,096.00 Additional exemption filed	$267,400 (+1%) Land $55,000 Building $212,400
2023	$1,096.00 Additional exemption filed	$133,700	$267,400 Land $55,000 Building $212,400

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	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	0.02% 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
Glo Fiber Cable	1,200 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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