Bedford County property record for 1092 Gemstone Ln, Moneta, VA 24121
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,886 sqft · built 2006 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,349 (2026) |
| Deeds & Mortgages | Aug 2022 Refinance Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 208 23 47 |
| Primary APN | 208 23 47 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,886 sqft Living Area |
| 1st Floor Area | 918 sqft |
| Basement Area | 918 sqft |
| Unfinished Basement | 918 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,965 sqft (1.17 acres) |
| Garage Area | 108 sqft |
| Porch | Porch |
| Porch Area | 150 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 1092 GEMSTONE LN |
|---|---|
| City | MONETA |
| State | VA |
| Zip | 24121-6296 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIAMOND HILL ESTATES SEC 3 LT 47 PB 46/77 |
| Legal Subdivision | DIAMOND HILL ESTATES |
| Legal Lot Number | 47 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 1 |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 30504 |
1092 Gemstone Ln is owned and occupied by two individuals.
Source: Bedford County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1092 GEMSTONE LN, MONETA, VA 24121-6296 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MR COOPER |
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage USAA FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1092 GEMSTONE LN, MONETA, VA 24121-6296 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220009319 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 220009319 |
| Name | MR COOPER |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1092 GEMSTONE LN, MONETA, VA 24121-6296 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200006584 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 200006584 |
| Name | USAA FEDERAL SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 177 Months |
| Due | Mar 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
The 2026 property tax bill for 1092 Gemstone Ln was $1,349.
Source: Bedford County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,349.00 | $329,200 Land $63,000 Building $266,200 | |
| 2023 | $1,305.00 Additional exemption filed | $159,150 | $329,200 Land $63,000 Building $266,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1092 Gemstone Ln in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 1092 Gemstone Ln is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 56% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| ZiTEL Fiber | 960 / 960 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: SMLW Broadband.
4G LTE only, no 5G reported
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