1030 Kayak Rd, Bedford, VA 24523 Property Records

Bedford County property record for 1030 Kayak Rd, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,826 sqft · built 1760
Lot Size	124 acres (5,440,644 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,730 (Sep 2026)
Tax Bill	$1,163 (2026)
Deeds & Mortgages	Sep 2026 Sale & Construction Loan Jul 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`72 A 31`

Property Details

APN / Parcel Number

Primary APN	`72 A 31`
Alternative APNs	`7203600` `142755`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,826 sqft Living Area
1st Floor Area	400 sqft
Basement Area	400 sqft
Unfinished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1760
Effective Year Built	Effective 1760
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Metal
Lot Area	5,440,644 sqft (124 acres)
Porch	Porch
Porch Area	317 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	1030 KAYAK RD
City	BEDFORD
State	VA
Zip	24523-3832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BIG OTTER
Legal Subdivision	BIG OTTER
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	1
Census Block	1005
Census Tract	30401

Owner

Source: Bedford County records, as of October 8, 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	1419 KAYAK RD, BEDFORD, VA 24523-3835
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed, Construction Loan · Construction Mortgage FIRST BANK AND TRUST COMPANY
Jul 14, 2023	Gift Deed, Transfer · Line of Credit THE FIRST BANK AND TRUST COMPANY
Jan 6, 2022	Warranty Deed, Transfer · Seller Carry-Back PARTY III

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2026 · Amount on Record
Deed Sale	Sep 21, 2026 · Amount on Record
Prior Sale	Jan 6, 2022 · Amount on Record
Deed Document Number	20268956
Prior Transfer Date	Jul 14, 2023
Prior Transfer Doc	0000005691
Record Updated	Oct 29, 2026

September 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 21, 2026
Property Address	1030 KAYAK RD, BEDFORD, VA 24523-3832
Document Number	0000008956
Instrument Date	Sep 18, 2026
Instrument	20268956
Transaction Type	Construction Loan
Record Updated	Oct 8, 2026
Title Company	INVESTORS LAND TITLE, INVESTORS TITLE

Transaction

Amount	Amount Recorded
Tax	$21,283.73
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1419 KAYAK RD, BEDFORD, VA 24523-3835

Mortgage

Document Number	0000008957,
Date	Sep 21, 2026
Instrument	20268957

Lender

Name	FIRST BANK AND TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 14, 2023
Property Address	1030 KAYAK RD, BEDFORD, VA 24523-3832
Document Number	0230005691
Instrument Date	Jul 14, 2023
Instrument	230005691
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230005692
Date	Jul 14, 2023
Instrument	230005692

Lender

Name	THE FIRST BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 6, 2022
Property Address	1030 KAYAK RD, BEDFORD, VA 24523-3832
Document Number	0220000248
Instrument Date	Jan 3, 2022
Instrument	220000248
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	502 WINCHESTER DR, DRIPPING SPRINGS, TX 78620-2803

Mortgage

Document Number	0220000249
Date	Jan 6, 2022
Instrument	220000249

Lender

Name	PARTY III
Type	Private Party

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2051

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	$1,163.00	$848,000 (+497.6%) Land $674,500 Building $173,500
2023	$1,163.00 Additional exemption filed	$141,900	$848,000 Land $674,500 Building $173,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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