109 Meadowgate Dr, Forest, VA 24551 Property Records

Bedford County property record for 109 Meadowgate Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,263 sqft · built 1983
Lot Size	1.61 acres (70,132 sqft)
Owner	Individual Name on Record
Tax Bill	$1,676 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`81A 13 17`

Property Details

APN / Parcel Number

Primary APN	`81A 13 17`
Alternative APNs	`8109400` `381070`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,263 sqft Living Area
1st Floor Area	1,432 sqft
Basement Area	1,432 sqft
Unfinished Basement	1,432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	70,132 sqft (1.61 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	302 sqft
Deck Area	472 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	109 MEADOWGATE DR
City	FOREST
State	VA
Zip	24551-1031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IVY HILL LT 17 BK 3 SC 2
Legal Subdivision	IVY HILL
Legal Block	3
Legal Lot Number	17
Jurisdiction	BEDFORD VA
Township / Civil Division	5
Census Block Group	3
Census Block	3004
Census Tract	30101

Owner

Source: Bedford County records, as of July 23, 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 Record
Mailing Address	109 MEADOWGATE DR, FOREST, VA 24551-1031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Sep 11, 2026
Property Address	109 MEADOWGATE DR, FOREST, VA 24551-1031
Document Number	0000008662
Instrument Date	Sep 4, 2026
Instrument	20268662
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MEADOWGATE DR, FOREST, VA 24551-1031

Mortgage

Document Number	0000008662,
Date	Sep 11, 2026
Instrument	20268662

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 10, 2051

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	109 MEADOWGATE DR, FOREST, VA 24551-1031
Transaction Type	Mortgage
Record Updated	Nov 10, 2021
Title Company	BLUE CHIP TITLE SERVICES LLC, BLUE RIDGE TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210013552
Date	Sep 21, 2021
Instrument	210013552

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

Interest

Rate Type	Fixed Rate
Rate	2.25%

Tax Assessment & Valuation

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	$1,676.00	$408,900 (+1%) Land $70,000 Building $338,900
2023	$1,676.00 Additional exemption filed	$204,450	$408,900 Land $70,000 Building $338,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.05% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Glo Fiber Cable	1,200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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