103 Harmony Ln, Forest, VA 24551 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,864 sqft · built 1993
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,500 (Feb 2023)
Tax Bill	$1,970 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135 18 1A`

Property Details

APN / Parcel Number

Primary APN	`135 18 1A`
Alternative APNs	`13500033` `532199`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,864 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Contemporary
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	88,427 sqft (2.03 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	103 HARMONY LN
City	FOREST
State	VA
Zip	24551-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MT HAVENLT 1A SEC 3
Legal Subdivision	MT HAVEN
Legal Lot Number	1
Jurisdiction	BEDFORD VA
Township / Civil Division	3
Census Block Group	2
Census Block	2009
Census Tract	30203

Owner

Source: Bedford County records, as of October 13, 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 Record
Mailing Address	103 HARMONY LN, FOREST, VA 24551-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2023 · Amount on Record
Deed Sale	Feb 27, 2023 · Amount on Record
Deed Document Number	20231428
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Feb 27, 2023
Property Address	103 HARMONY LN, FOREST, VA 24551-2115
Document Number	0230001428
Instrument Date	Feb 24, 2023
Instrument	230001428
Transaction Type	Transfer
Record Updated	Mar 29, 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	103 HARMONY LN, FOREST, VA 24551-2115

Mortgage

Document Number	0230001429
Date	Feb 27, 2023
Instrument	230001429

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of July 23, 2026

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
2026	$1,970.00	$480,500 (+1%) Land $85,000 Building $395,500
2023	$1,970.00 Additional exemption filed	$240,250	$480,500 Land $85,000 Building $395,500

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	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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