104 O'Neal Dr, Vinton, VA 24179 Property Records

Bedford County property record for 104 O'Neal Dr, Vinton, VA 24179

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1973
Lot Size	0.51 acres (22,102 sqft)
Owner	Company Name on Record
Last Sale	$130,000 (Sep 2025)
Tax Bill	$483 (2025)
Deeds & Mortgages	Jan 2006 Line of Credit Sep 2006 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`156A 4 1 3`

Property Details

APN / Parcel Number

Primary APN	`156A 4 1 3`
Alternative APNs	`15648800` `487866`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,102 sqft (0.51 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	104 ONEAL DR
City	VINTON
State	VA
Zip	24179-3809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CHERRY HILL LT 3 BK 1 S-1
Legal Subdivision	CHERRY HILL
Legal Block	1
Legal Lot Number	3
Jurisdiction	BEDFORD VA
Township / Civil Division	1
Census Block Group	1
Census Block	1003
Census Tract	30602

Owner

Source: Bedford County records, as of January 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4443 LEWISTON ST NW, ROANOKE, VA 24017-1009
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2006	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE BANK FSB
Sep 6, 2006	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES CHOICE HOME LOAN INC
Sep 28, 2006	Deed of Trust, Mortgage · Line of Credit BENEFICIAL MORTGAGE CO OF VIRGINIA
Jan 16, 2026	Gift Deed, Transfer ACCOMODATION, ACCOMMODATION
Sep 8, 2025	Deed, Transfer ACCOMODATION, ACCOMMODATION
Sep 8, 2025	Deed, Transfer ACCOMODATION, ACCOMMODATION
Apr 8, 2016	Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC
Oct 25, 2013	Bargain and Sale Deed, Transfer FIRST AMERICAN TITLE
Aug 13, 2013	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	Apr 8, 2016 · Amount on Record
Deed Document Number	20257645
Last Transfer Date	Sep 10, 2025
Transfer Doc	0000000451
Record Updated	Sep 20, 2026

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060000097
Date	Jan 4, 2006
Instrument	060000097

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060013935
Date	Sep 6, 2006
Instrument	060013935

Lender

Name	PEOPLES CHOICE HOME LOAN INC
Type	Subprime Lender
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2036

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060015088
Date	Sep 28, 2006
Instrument	060015088

Lender

Name	BENEFICIAL MORTGAGE CO OF VIRGINIA
Address	ROANOKE, VA 24019

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2036

January 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 16, 2026
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Document Number	0260000451
Map Reference	MB 15 PG 5
Instrument Date	Jan 9, 2026
Instrument	260000451
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	ACCOMODATION, ACCOMMODATION

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
Address	4443 LEWISTON ST NW, ROANOKE, VA 24017-1009

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 8, 2025
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Document Number	0250007645
Map Reference	MB 15 PG 5
Instrument Date	Aug 28, 2025
Instrument	250007645
Transaction Type	Transfer
Record Updated	Oct 1, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4443 LEWISTON ST NW, ROANOKE, VA 24017-1009

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 8, 2025
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Document Number	0250007645
Map Reference	MB 15 PG 5
Instrument Date	Aug 28, 2025
Instrument	250007645
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4443 LEWISTON ST NW, ROANOKE, VA 24017-1009

April 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 8, 2016
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Document Number	0160002899
Instrument Date	Feb 7, 2016
Instrument	160002899
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	COLONIAL TITLE AND SETTLEMENT AGENCY, COLONIAL TITLE&STLMNT AGENCY

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	104 ONCAL DR, VINTON, VA 24179-3809

Mortgage

Document Number	0160002900
Date	Apr 8, 2016
Instrument	160002900

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2013: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BEDFORD VA
Recording Date	Oct 25, 2013
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Document Number	0130011991
Map Reference	MB15 PG5
Instrument Date	Oct 21, 2013
Instrument	130011991
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$94.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ONEAL DR, VINTON, VA 24179-3809
Investor	Possibly a Property Investor

August 2013: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BEDFORD VA
Recording Date	Aug 13, 2013
Property Address	104 ONEAL DR, VINTON, VA 24179-3809
Document Number	0130009245
Map Reference	MB15 PG5
Instrument Date	Aug 2, 2013
Instrument	130009245
Transaction Type	Foreclosure
Record Updated	Jan 29, 2026

Transaction

Amount	Amount Recorded
Tax	$94.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2929 WALDEN AVE, DEPEW, NY 14043-2602
Mail Care Of	HSBC MORTGAGE SERVICES INC
Investor	Possibly a Property Investor

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	$483.00	$117,900 (+1%) Land $40,000 Building $77,900
2023	$483.00 Additional exemption filed	$58,950	$117,900 Land $40,000 Building $77,900

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
ZiTEL Fiber	960 / 960

May also be available: T-Mobile, Verizon.

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