Bedford County property record for 108 Harmony Ln, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,383 sqft · built 1994 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,790 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 135 18 9 |
| Primary APN | 135 18 9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,383 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Finished Basement | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 181 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 108 HARMONY LN |
|---|---|
| City | FOREST |
| State | VA |
| Zip | 24551-2114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MT HAVENLT 9 SEC 3 |
| Legal Subdivision | MT HAVEN |
| Legal Lot Number | 9 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 3 |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 30203 |
Source: Bedford County records · APN 135 18 9
Assessment roll updated July 23, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5753 HIGHWAY 85 N, CRESTVIEW, FL 32536-9365 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FREEDOM FIRST FEDERAL CREDIT UNION |
| Oct 06, 2021 | Deed of Trust, Mortgage · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Apr 20, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FREEDOM FIRST FEDERAL CREDIT UNION |
| Mar 20, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance LENDER SELECT MORTGAGE GROUP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 108 HARMONY LN, FOREST, VA 24551-2114 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220007249 |
|---|---|
| Date | Jun 27, 2022 |
| Instrument | 220007249 |
| Name | FREEDOM FIRST FEDERAL CREDIT UNION |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 27, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 108 HARMONY LN, FOREST, VA 24551-2114 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210014254 |
|---|---|
| Date | Oct 06, 2021 |
| Instrument | 210014254 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 108 HARMONY LN, FOREST, VA 24551-2114 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0180003489 |
|---|---|
| Date | Apr 20, 2018 |
| Instrument | 180003489 |
| Name | FREEDOM FIRST FEDERAL CREDIT UNION |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 108 HARMONY LN, FOREST, VA 24551-2114 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 170002455 |
|---|---|
| Date | Mar 20, 2017 |
| Instrument | 170002455 |
| Name | LENDER SELECT MORTGAGE GROUP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
| Rate Type | Fixed Rate |
|---|
Source: Bedford County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,790.00 | $436,600 (+1%) Land $75,000 Building $361,600 | |
| 2023 | $1,790.00 Additional exemption filed | $218,300 | $436,600 Land $75,000 Building $361,600 |
Source: FEMA National Flood Hazard Layer as of September 29, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Wildfire Risk | Low lower than 65% of the US · above 58% of Virginia |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile USA Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Shenandoah Telecommunications Company Cable | 1,200 / 50 |
Based on FCC filings for 63 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | BEDFORD REGIONAL WATER AUTHORITY (BRWA) serves 38,794 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures