1095 Rio Ln, Forest, VA 24551 Property Records

Bedford County property record for 1095 Rio Ln, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (Feb 2019)
Tax Bill	$1,801 (2023)
Deeds & Mortgages	May 2018 Line of Credit Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153 28 179`

Property Details

APN / Parcel Number

Primary APN	`153 28 179`
Alternative APNs	`90508076` `514834`

Exterior

Lot Area	26,572 sqft (0.61 acres)

Location & Zoning

Account Number	514834
Street Address	1095 RIO LN
City	FOREST
State	VA
Zip	24551-1833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOMERSET MEADOWS SEC 7 LT 179 PB 48/77
Legal Subdivision	SOMERSET MEADOWS
Legal Lot Number	179
Jurisdiction	BEDFORD VA
Township / Civil Division	3
Census Block Group	1
Census Block	1007
Census Tract	30202

Owner

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	1095 RIO LN, FOREST, VA 24551-1833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2018	Deed of Trust, Mortgage · Line of Credit THE FIRST BANK AND TRUST COMPANY
Feb 5, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
May 16, 2017	Warranty Deed, Transfer SETTLEMENT SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2019 · Amount on Record
Deed Sale	Feb 5, 2019 · Amount on Record
Prior Sale	May 16, 2017 · Amount on Record
Deed Document Number	190000952
Record Updated	Jun 7, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1095 RIO LN, FOREST, VA 24551-1833
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180004307
Date	May 14, 2018
Instrument	180004307

Lender

Name	THE FIRST BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Feb 5, 2019
Property Address	1095 RIO LN, FOREST, VA 24551-1833
Document Number	0190000952
Instrument Date	Jan 23, 2019
Instrument	190000952
Transaction Type	Transfer
Record Updated	Aug 15, 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	1095 RIO LN, FOREST, VA 24551-1833

Mortgage

Document Number	0190000953
Date	Feb 5, 2019
Instrument	190000953

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	May 16, 2017
Property Address	1095 RIO LN, FOREST, VA 24551-1833
Document Number	0170004383
Instrument Date	May 1, 2017
Instrument	170004383
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
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	1700 DEER HOLLOW RD, FOREST, VA 24551-2158

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	$1,801.00 Additional exemption filed	$219,750	$439,500 Land $70,000 Building $369,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.04% 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.

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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	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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