104 Zuni Dr, Bedford, VA 24523 Property Records

Bedford County property record for 104 Zuni Dr, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,384 sqft · built 2000
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Trust Names on File
Last Sale	$242,000 (May 2015)
Tax Bill	$1,524 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`109 9 2`

Property Details

APN / Parcel Number

Primary APN	`109 9 2`
Alternative APNs	`10909700` `503110`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Basement Area	1,384 sqft
Unfinished Basement	1,384 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,556 sqft (2.01 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	104 ZUNI DR
City	BEDFORD
State	VA
Zip	24523-5793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OTTARI LT 2 SC 2
Legal Subdivision	OTTARI
Legal Lot Number	2
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	2
Census Block	2007
Census Tract	30401

Owner

104 Zuni Dr is owner-occupied and held in a trust since May 2015.

Source: Bedford County records, as of July 7, 2026

Owner of Record	2 Trust Names on File
Mailing Address	104 ZUNI DR, BEDFORD, VA 24523-5793
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage NATION ONE MORTGAGE
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 9, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2015 · Amount on File
Deed Sale	May 15, 2015 · Amount on File
Prior Sale	Aug 31, 2011
Deed Document Number	20154332
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	104 ZUNI DR, BEDFORD, VA 24523-5793
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ZUNI DR, BEDFORD, VA 24523-5793

Mortgage

Document Number	0260000533
Date	Jan 20, 2026
Instrument	260000533

Lender

Name	NATION ONE MORTGAGE
Type	Subprime Lender
Address	MARLTON, NJ 08053

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	104 ZUNI DR, BEDFORD, VA 24523-5793
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	UNITED SHORE FINANCIAL SERVICES LLC, UNITED SHORE FINANCIAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180008299
Date	Sep 10, 2018
Instrument	180008299

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	104 ZUNI DR, BEDFORD, VA 24523-5793
Transaction Type	Mortgage
Record Updated	Dec 19, 2018
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170004185
Date	May 9, 2017
Instrument	170004185

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 18, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 104 Zuni Dr was $1,524.

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	$1,524.00	$371,900 Land $51,100 Building $320,800
2023	$1,524.00 Additional exemption filed	$185,950	$371,900 Land $51,100 Building $320,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Zuni Dr 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 104 Zuni Dr is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 73% of Virginia
Wildfire Likelihood	0.08% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,200 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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