109 Winterberry Dr, Forest, VA 24551 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,611 sqft · built 1995
Lot Size	0.989 acres (43,124 sqft)
Owner	Individual Name on Record
Last Sale	$589,000 (Sep 2023)
Tax Bill	$1,803 (2023)
Deeds & Mortgages	Sep 2023 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`100C 10 11`

Property Details

APN / Parcel Number

Primary APN	`100C 10 11`
Alternative APNs	`10003836` `529543`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,611 sqft Living Area
Gross Area	4,311 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,124 sqft (0.989 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	276 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	529543
Street Address	109 WINTERBERRY DR
City	FOREST
State	VA
Zip	24551-1961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE VSITA PHASE VI LT 11 SEC 1
Legal Subdivision	LAKE VSITA PHASE VI
Legal Phase	6
Legal Lot Number	1
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	2
Census Block	2000
Census Tract	30103

Owner

Source: Bedford County records, as of October 10, 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	109 WINTERBERRY DR, FOREST, VA 24551-1961
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 24, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2023 · Amount on Record
Deed Sale	Sep 8, 2023 · Amount on Record
Prior Sale	May 24, 2021 · Amount on Record
Deed Document Number	230007424
Record Updated	Jun 7, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 8, 2023
Property Address	109 WINTERBERRY DR, FOREST, VA 24551-1961
Document Number	0230007424
Instrument Date	Aug 21, 2023
Instrument	230007424
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	109 WINTERBERRY DR, FOREST, VA 24551-1961

Mortgage

Document Number	0230007425
Date	Sep 8, 2023
Instrument	230007425

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	May 24, 2021
Property Address	109 WINTERBERRY DR, FOREST, VA 24551-1961
Document Number	210007673
Instrument Date	Apr 18, 2021
Instrument	210007673
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	109 WINTERBERRY DR, FOREST, VA 24551-1961

Mortgage

Document Number	210007674
Date	May 24, 2021
Instrument	210007674

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

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
2023	$1,803.00 Additional exemption filed	$219,950	$439,900 Land $75,000 Building $364,900

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1985–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2020 · other causes

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 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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