Bedford County property record for 1078 Cossman Ct, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,206 sqft · built 2008 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,767 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 100 9 37 |
| Primary APN | 100 9 37 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,206 sqft Living Area |
| 1st Floor Area | 2,206 sqft |
| Basement Area | 2,206 sqft |
| Unfinished Basement | 2,206 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 296 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 1078 COSSMAN CT |
|---|---|
| City | FOREST |
| State | VA |
| Zip | 24551-4695 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOOPER WOODS SEC 3 REVISED LT 37 PB 51/6 |
| Legal Subdivision | HOOPER WOODS SEC 3 |
| Legal Lot Number | 37 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 5 |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 30101 |
Source: Bedford County records, as of July 23, 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 File |
|---|---|
| Mailing Address | 1078 COSSMAN CT, FOREST, VA 24551-4695 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jul 25, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1078 COSSMAN CT, FOREST, VA 24551-4695 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0200008244 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 200008244 |
| Name | TRUIST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1078 COSSMAN CT, FOREST, VA 24551-4695 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2022 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0190006695 |
|---|---|
| Date | Jul 25, 2019 |
| Instrument | 190006695 |
| Name | BRANCH BANKING & TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Bedford County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,767.00 | $431,200 (+1%) Land $77,000 Building $354,200 | |
| 2023 | $1,767.00 Additional exemption filed | $215,600 | $431,200 Land $77,000 Building $354,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 69% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Glo Fiber Cable | 1,200 / 50 |
5G (outdoors only) and 4G LTE
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