Bedford County property record for 1089 Charmin Dr, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,260 sqft · built 1996 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Dec 2015) |
| Tax Bill | $1,593 (2023) |
| Deeds & Mortgages | Aug 2023 Line of Credit Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 136E 2 30 |
| Primary APN | 136E 2 30 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,260 sqft Living Area |
| Gross Area | 3,836 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 48,787 sqft (1.12 acres) |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 525 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 485766 |
|---|---|
| Street Address | 1089 CHARMIN DR |
| City | FOREST |
| State | VA |
| Zip | 24551-1151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE MEADOWSLT 30 SEC 5 |
| Legal Subdivision | THE MEADOWS |
| Legal Lot Number | 30 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 4 |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 30203 |
Source: Bedford County records, as of August 14, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1089 CHARMIN DR, FOREST, VA 24551-1151 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Line of Credit MEMBER ONE FEDERAL CREDIT UNION |
| Apr 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NATION ONE MORTGAGE CORPORATION |
| Apr 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MEMBER ONE FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2015 · Amount on Record |
| Deed Sale | Dec 21, 2015 · Amount on Record |
| Deed Document Number | 150012114 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1089 CHARMIN DR, FOREST, VA 24551-1151 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230006519 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | 230006519 |
| Name | MEMBER ONE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 4, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1089 CHARMIN DR, FOREST, VA 24551-1151 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2022 |
| Title Company | MOUNTAIN VIEW SETTLEMENT |
| Name | Verified Name |
|---|
| Document Number | 0190003455 |
|---|---|
| Date | Apr 23, 2019 |
| Instrument | 190003455 |
| Name | NATION ONE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1089 CHARMIN DR, FOREST, VA 24551-1151 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220003822 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 220003822 |
| Name | MEMBER ONE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Bedford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $1,593.00 Additional exemption filed | $194,300 | $388,600 Land $60,000 Building $328,600 |
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 | 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.
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 | 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.
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 113 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 |
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