1040 Davis Mill Ln, Bedford, VA 24523 Property Records

Bedford County property record for 1040 Davis Mill Ln, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,636 sqft · built 1996
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Jan 2020)
Tax Bill	$1,223 (2023)
Deeds & Mortgages	May 2022 Refinance Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`197 3 1`

Property Details

APN / Parcel Number

Primary APN	`197 3 1`
Alternative APNs	`19705404` `524157`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,984 sqft (1.4 acres)
Porch	Porch
Porch Area	648 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	524157
Street Address	1040 DAVIS MILL LN
City	BEDFORD
State	VA
Zip	24523-5947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAVIS MILL LT 1 SEC 1
Legal Subdivision	DAVIS MILL
Legal Lot Number	1
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	1
Census Block	1044
Census Tract	30501

Owner

1040 Davis Mill Ln is owned and occupied by an individual who bought it in January 2020.

Source: Bedford County records, as of August 14, 2023

Owner of Record	Individual Name on File
Mailing Address	1040 DAVIS MILL LN, BEDFORD, VA 24523-5947
Occupancy	Owner Occupied
Owner Type	Individual

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
May 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC BAY MORTGAGE GROUP LLC
Jan 16, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2020 · Amount on File
Deed Sale	Jan 16, 2020 · Amount on File
Prior Sale	Jul 28, 2006
Deed Document Number	200000534
Record Updated	Jun 7, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1040 DAVIS MILL LN, BEDFORD, VA 24523-5947
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220005801
Date	May 18, 2022
Instrument	220005801

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 16, 2020
Property Address	1040 DAVIS MILL LN, BEDFORD, VA 24523-5947
Document Number	200000534
Instrument Date	Jan 8, 2020
Instrument	200000534
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	ABSOLUTE TITLE

Transaction

Amount	Amount 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	1040 DAVIS MILL LN, BEDFORD, VA 24523-5947

Mortgage

Document Number	200000535
Date	Jan 16, 2020
Instrument	200000535

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

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
2023	$1,223.00 Additional exemption filed	$149,150	$298,300 Land $50,000 Building $248,300

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

Flood

FEMA maps place 1040 Davis Mill Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1040 Davis Mill Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 61% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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