108 Forest Oaks Dr, Forest, VA 24551 Property Records

Bedford County property record for 108 Forest Oaks Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,650 sqft · built 1986
Lot Size	5.42 acres (236,095 sqft)
Owner	2 Individual Names on File
Last Sale	$527,000 (Mar 2023)
Tax Bill	$1,805 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`101 3 5`

Property Details

APN / Parcel Number

Primary APN	`101 3 5`
Alternative APNs	`10109500` `506866`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,650 sqft Living Area
1st Floor Area	1,810 sqft
Basement Area	1,810 sqft
Finished Basement	1,810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	236,095 sqft (5.42 acres)
Porch	Porch
Porch Area	670 sqft
Deck Area	94 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	108 FOREST OAKS DR
City	FOREST
State	VA
Zip	24551-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST OAKS LT 5
Legal Subdivision	FOREST
Legal Lot Number	5
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	3
Census Block	3012
Census Tract	30103

Owner

108 Forest Oaks Dr is owned and occupied by two individuals who bought it in March 2023.

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 File
Mailing Address	108 FOREST OAKS DR, FOREST, VA 24551-1929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2023 · Amount on File
Deed Sale	Mar 17, 2023 · Amount on File
Deed Document Number	20232155
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Mar 17, 2023
Property Address	108 FOREST OAKS DR, FOREST, VA 24551-1929
Document Number	0230002155
Instrument Date	Mar 11, 2023
Instrument	230002155
Transaction Type	Transfer
Record Updated	Apr 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	108 FOREST OAKS DR, FOREST, VA 24551-1929

Mortgage

Document Number	0230002156
Date	Mar 17, 2023
Instrument	230002156

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Nov 24, 2021
Property Address	108 FOREST OAKS DR, FOREST, VA 24551-1929
Document Number	210016735
Instrument Date	Nov 18, 2021
Instrument	210016735
Transaction Type	Transfer
Record Updated	Dec 8, 2021
Title Company	PRIME TITLE AND SETTLEMENT, PIKE TITLE & SETTLEMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	108 FOREST OAKS DR, FOREST, VA 24551-1929

Mortgage

Document Number	210016736
Date	Nov 24, 2021
Instrument	210016736

Lender

Name	ATLANTIC COAST MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 108 Forest Oaks Dr was $1,805.

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	$1,805.00	$440,300 Land $99,200 Building $341,100
2023	$1,805.00 Additional exemption filed	$220,150	$440,300 Land $99,200 Building $341,100

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.

Flood

FEMA maps place 108 Forest Oaks Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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	3 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2019 · 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 108 Forest Oaks Dr is low, with a 0.02% annual chance of 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	0.02% 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Glo Fiber Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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