Bedford County property record for 1096 Penicks Mill Rd, Thaxton, VA 24174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,586 sqft · built 1906 |
| Lot Size | 1.13 acres (49,593 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,400 (Mar 2021) |
| Tax Bill | $749 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Sep 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 107A A 5 |
| Primary APN | 107A A 5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,586 sqft Living Area |
| 1st Floor Area | 372 sqft |
| Basement Area | 372 sqft |
| Unfinished Basement | 372 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 49,593 sqft (1.13 acres) |
| Porch | Porch |
| Porch Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1096 PENICKS MILL RD |
|---|---|
| City | THAXTON |
| State | VA |
| Zip | 24174-3609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAXTON |
| Legal Subdivision | THAXTON |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 7 |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 30403 |
Source: Bedford County records, as of June 10, 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 | 1096 PENICKS MILL RD, THAXTON, VA 24174-3609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK |
| Sep 15, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FREEDOM FIRST FCU |
| Mar 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2021 · Amount on Record |
| Deed Sale | Mar 15, 2021 · Amount on Record |
| Deed Document Number | 20213907 |
| Prior Transfer Date | Jun 18, 2008 |
| Prior Transfer Doc | 0000008644 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Jun 1, 2026 |
| Property Address | 1096 PENICKS MILL RD, THAXTON, VA 24174-3609 |
| Document Number | 0000004929 |
| Instrument Date | May 26, 2026 |
| Instrument | 20264929 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1096 PENICKS MILL RD, THAXTON, VA 24174-3609 |
| Document Number | 0000004929, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20264929 |
| Name | PINNACLE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 1096 PENICKS MILL RD, THAXTON, VA 24174-3609 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1096 PENICKS MILL RD, THAXTON, VA 24174-3609 |
| Document Number | 0250007861 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 250007861 |
| Name | FREEDOM FIRST FCU |
|---|---|
| Type | Credit Union |
| Address | ROANOKE, VA 24019 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 15, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Mar 15, 2021 |
| Property Address | 1096 PENICKS MILL RD, THAXTON, VA 24174-3609 |
| Document Number | 210003907 |
| Instrument Date | Mar 11, 2021 |
| Instrument | 210003907 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1096 PENICKS MILL RD, THAXTON, VA 24174-3609 |
| Document Number | 210003908 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 210003908 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Bedford County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $749.00 | $182,700 (+1%) Land $32,000 Building $150,700 | |
| 2023 | $749.00 Additional exemption filed | $91,350 | $182,700 Land $32,000 Building $150,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 65% of Virginia |
|---|---|
| Wildfire Likelihood | 0.06% 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.
Source: FCC Broadband Data Collection, based on 16 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 |
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