1095 Irvine Dr, Forest, VA 24551 Property Records

Bedford County property record for 1095 Irvine Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,780 sqft · built 1996
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Last Sale	$745,000 (Oct 2026)
Tax Bill	$2,059 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135 28 80`

Property Details

APN / Parcel Number

Primary APN	`135 28 80`
Alternative APNs	`13500061` `170701`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,780 sqft Living Area
1st Floor Area	1,225 sqft
Basement Area	1,225 sqft
Finished Basement	1,225 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	74,052 sqft (1.7 acres)
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Deck Area	276 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1095 IRVINE DR
City	FOREST
State	VA
Zip	24551-2942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSTONE LT 80 SEC IV
Legal Subdivision	BROOKSTONE
Legal Lot Number	80
Jurisdiction	BEDFORD VA
Township / Civil Division	3
Census Block Group	2
Census Block	2011
Census Tract	30203

Owner

1095 Irvine Dr is owned and occupied by two individuals who bought it in October 2026.

Source: Bedford County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1095 IRVINE DR, FOREST, VA 24551-2942
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Oct 13, 2023	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2026 · Amount on File
Deed Sale	Oct 9, 2026 · Amount on File
Prior Sale	Oct 13, 2023 · Amount on File
Deed Document Number	20269584
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Oct 9, 2026
Property Address	1095 IRVINE DR, FOREST, VA 24551-2942
Document Number	0000009584
Instrument Date	Sep 29, 2026
Instrument	20269584
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,245.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 IRVINE DR, FOREST, VA 24551-2942

Mortgage

Document Number	0000009585,
Date	Oct 9, 2026
Instrument	20269585

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Oct 13, 2023
Property Address	1095 IRVINE DR, FOREST, VA 24551-2942
Document Number	0230008583
Instrument Date	Oct 2, 2023
Instrument	230008583
Transaction Type	Transfer
Record Updated	Nov 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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	1095 IRVINE DR, FOREST, VA 24551-2942

Mortgage

Document Number	0230008584
Date	Oct 13, 2023
Instrument	230008584

Lender

Name	PROSPERITY HOME MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1095 Irvine Dr was $2,059.

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	$2,059.00	$502,400 Land $85,000 Building $417,400
2023	$2,059.00 Additional exemption filed	$251,200	$502,400 Land $85,000 Building $417,400

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

FEMA maps place 1095 Irvine Dr 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	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.

Wildfire

Wildfire risk around 1095 Irvine Dr 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 64% of the US · above 59% 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.

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 78 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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