Bedford County property record for 108 E Main St, Bedford, VA 24523 · Last verified June 2026
| Property Type | Commercial |
|---|---|
| Details | 3,000 sqft |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (May 2026) |
| Tax Bill | $574 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Sep 2014 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 214 2 B-T |
| Primary APN | 214 2 B-T |
|---|---|
| Alternative APN |
|
| Building Area | 3,000 sqft Total Area |
|---|
| Lot Area | 1,307 sqft (0.03 acres) |
|---|
| Cooling System | HVAC |
|---|
| Street Address | 108 E MAIN ST |
|---|---|
| City | BEDFORD |
| State | VA |
| Zip | 24523-2035 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LT S SIDE E MAIN ST |
| Legal Subdivision | E MAIN ST |
| Legal Lot Number | S |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 6 |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 50101 |
Source: Bedford County records · APN 214 2 B-T
Assessment roll updated August 1, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 E MAIN ST, BEDFORD, VA 24523-2035 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 17, 2017 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE JAMES |
| Sep 05, 2014 | Deed of Trust, Mortgage HABITAT FOR HUMANITY OF BEDFORD VIRGINIA |
| Aug 22, 2008 | Deed of Trust, Mortgage · Line of Credit BANK OF THE JAMES |
| May 12, 2026 | Deed, Transfer · Construction Mortgage SELECT BANK |
| May 05, 2017 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on Record |
| Deed Sale | May 12, 2026 · Amount on Record |
| Prior Sale | May 05, 2017 · Amount on Record |
| Deed Document Number | 20264213 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 108 E MAIN ST, BEDFORD, VA 24523-2035 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0170007692 |
|---|---|
| Date | Aug 17, 2017 |
| Instrument | 170007692 |
| Name | BANK OF THE JAMES |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 108 E MAIN ST, BEDFORD, VA 24523-2035 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0140007318 |
|---|---|
| Date | Sep 05, 2014 |
| Instrument | 140007318 |
| Name | HABITAT FOR HUMANITY OF BEDFORD VIRGINIA |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 108 E MAIN ST, BEDFORD, VA 24523-2035 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0080011229 |
|---|---|
| Date | Aug 22, 2008 |
| Instrument | 080011229 |
| Name | BANK OF THE JAMES |
|---|---|
| Type | Bank |
| Address | LYNCHBURG, VA 24504 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | May 12, 2026 |
| Property Address | 108 E MAIN ST, BEDFORD, VA 24523-2035 |
| Document Number | 0000004213 |
| Instrument Date | May 08, 2026 |
| Instrument | 20264213 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,715.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 E MAIN ST, BEDFORD, VA 24523-2035 |
| Document Number | 0000004214, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 20264214 |
| Name | SELECT BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | May 05, 2017 |
| Property Address | 108 E MAIN ST, BEDFORD, VA 24523-2035 |
| Document Number | 0170004048 |
| Instrument Date | May 05, 2017 |
| Instrument | 170004048 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Bedford County records · Assessment roll updated August 1, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Municipality | Bedford Town |
| Unified School District | Bedford County Public Schools (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $574.00 | $140,200 (+1%) Land $8,900 Building $131,300 | |
| 2023 | $574.00 Additional exemption filed | $70,100 | $140,200 Land $8,900 Building $131,300 |
Source: FEMA National Flood Hazard Layer, Bedford County (51019C), updated September 29, 2010 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Bedford Historic District listed 1984 · 208 contributing resources · NRIS 84000031 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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