1069 Duck Key Ln, Moneta, VA 24121 Property Records

Bedford County property record for 1069 Duck Key Ln, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,941 sqft · built 2007
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,518 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`221 13 19`

Property Details

APN / Parcel Number

Primary APN	`221 13 19`
Alternative APNs	`90508695` `450912`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,941 sqft Living Area
1st Floor Area	1,558 sqft
Basement Area	1,558 sqft
Unfinished Basement	1,558 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	276 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1069 DUCK KEY LN
City	MONETA
State	VA
Zip	24121-6433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET CAY SEC 1 LT 19 PB 51/225
Legal Subdivision	SEC 1
Legal Lot Number	19
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	1
Census Block	1033
Census Tract	30504

Owner

Source: Bedford County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1069 DUCK KEY LN, MONETA, VA 24121-6433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit MEMBER ONE FCU
Jan 5, 2022	Deed of Trust, Mortgage · Line of Credit MEMBER ONE FEDERAL CREDIT UNION
Jun 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN NATIONAL BANK AND TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2010
Deed Sale	Oct 6, 2010
Prior Sale	Oct 16, 2009 · Amount on Record
Deed Document Number	20109873
Prior Transfer Date	Sep 17, 2009
Prior Transfer Doc	0000012481
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1069 DUCK KEY LN, MONETA, VA 24121-6433
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250008538
Date	Oct 2, 2025
Instrument	250008538

Lender

Name	MEMBER ONE FCU
Type	Credit Union
Address	ROANOKE, VA 24024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1069 DUCK KEY LN, MONETA, VA 24121-6433
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000150
Date	Jan 5, 2022
Instrument	220000150

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 27, 2046

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1069 DUCK KEY LN, MONETA, VA 24121-6433
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210009570
Date	Jun 30, 2021
Instrument	210009570

Lender

Name	AMERICAN NATIONAL BANK AND TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.38%

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	$1,518.00	$370,300 (+1%) Land $60,000 Building $310,300
2023	$1,518.00 Additional exemption filed	$185,150	$370,300 Land $60,000 Building $310,300

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

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	5 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	0.03% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber · Cable in parts of the area	1,200 / 1,200
ZiTEL Fiber	960 / 960
Verizon Fixed Wireless	300 / 20

May also be available: SMLW Broadband, Xfinity.

Nearby Properties on Duck Key Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures