1032 Middlemont Ln, Bedford, VA 24523 Property Records

Bedford County property record for 1032 Middlemont Ln, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,624 sqft · built 1970
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Jul 2026)
Tax Bill	$1,218 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`93 4 4`

Property Details

APN / Parcel Number

Primary APN	`93 4 4`
Alternative APNs	`9309500` `506830`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Stone
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	78,408 sqft (1.8 acres)
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1032 MIDDLEMONT LN
City	BEDFORD
State	VA
Zip	24523-6640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BIG OTTER TR 4
Legal Subdivision	BIG OTTER
Legal Tract	4
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	2
Census Block	2000
Census Tract	30401

Owner

1032 Middlemont Ln is owned by two individuals who bought it in July 2026.

Source: Bedford County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	820 SMOUSE RD, OAKLAND, MD 21550-6131
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 14, 2018	Deed of Trust, Mortgage · Line of Credit BLUE EAGLE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on File
Deed Sale	Jul 20, 2026 · Amount on File
Deed Document Number	20266726
Prior Transfer Date	Oct 27, 2014
Prior Transfer Doc	0000009161
Record Updated	Sep 20, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 20, 2026
Property Address	1032 MIDDLEMONT LN, BEDFORD, VA 24523-6640
Document Number	0000006726
Instrument Date	Jul 13, 2026
Instrument	20266726
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58,075.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 SMOUSE RD, OAKLAND, MD 21550-6131

Mortgage

Document Number	0000006727,
Date	Jul 20, 2026
Instrument	20266727

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1032 MIDDLEMONT LN, BEDFORD, VA 24523-6640
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180002244
Date	Mar 14, 2018
Instrument	180002244

Lender

Name	BLUE EAGLE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Mar 7, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1032 Middlemont Ln was $1,218.

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	$1,218.00	$305,900 (-) Land $70,000 Building $235,900
2025	$1,218.00	$305,900 Land $70,000 Building $235,900
2023	$1,218.00 Additional exemption filed	$148,600	$305,900 Land $70,000 Building $235,900

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

FEMA maps place 1032 Middlemont Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2011 · rainfall accumulation

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

Wildfire risk around 1032 Middlemont Ln is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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	0.07% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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