1109 Emerald Crest Dr, Bedford, VA 24523 Property Records

Bedford County property record for 1109 Emerald Crest Dr, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$223,000 (Jul 2018)
Tax Bill	$1,258 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2018 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`231 5 40-T`

Property Details

APN / Parcel Number

Primary APN	`231 5 40-T`
Alternative APN	`90512407`

Exterior

Lot Area	4,792 sqft (0.11 acres)

Location & Zoning

Street Address	1109 EMERALD CREST DR
City	BEDFORD
State	VA
Zip	24523-3214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOVERNORS HILL SECTION II LOT 40 PB 58/252
Legal Subdivision	GOVERNORS HILL SECTION II
Legal Lot Number	40
Jurisdiction	BEDFORD VA
Township / Civil Division	6
Census Block Group	2
Census Block	2048
Census Tract	50101

Owner

1109 Emerald Crest Dr is owned and occupied by two individuals who acquired it in August 2025.

Source: Bedford County records, as of October 9, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	1109 EMERALD CREST DR, BEDFORD, VA 24523-3214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 20, 2018	Warranty Deed, Subdivision Related Transfer ACQUISITION TITLE&STLMNT
Jul 20, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VICTORIAN FINANCE LLC
Feb 28, 2018	Warranty Deed, Transfer ACQUISITION TITLE AND SETTLEMENT, ACQUISITION TITLE & STLMNT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2018 · Amount on File
Deed Sale	Jul 20, 2018 · Amount on File
Prior Sale	Feb 28, 2018 · Amount on File
Deed Document Number	20186607
Last Transfer Date	Aug 25, 2025
Transfer Doc	0000008329
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1109 EMERALD CREST DR, BEDFORD, VA 24523-3214
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0200009383
Date	Aug 18, 2020
Instrument	200009383

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 20, 2018
Property Address	1109 EMERALD CREST DR, BEDFORD, VA 24523-3214
Document Number	180006607
Instrument Date	Jun 27, 2018
Instrument	180006607
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 7, 2021
Title Company	ACQUISITION TITLE&STLMNT

Transaction

Amount	Amount 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	1109 EMERALD CREST DR, BEDFORD, VA 24523-3214

July 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 20, 2018
Property Address	1109 EMERALD CREST DR, BEDFORD, VA 24523-3214
Document Number	0180006607
Instrument Date	Jun 27, 2018
Instrument	180006607
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 15, 2023
Title Company	ACQUISITION TITLE AND SETTLEMENT, ACQUISITION TITLE&STLMNT

Transaction

Amount	Amount 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	1109 EMERALD CREST DR, BEDFORD, VA 24523-3214

Mortgage

Document Number	0180006608
Date	Jul 20, 2018
Instrument	180006608

Lender

Name	VICTORIAN FINANCE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Feb 28, 2018
Property Address	1109 EMERALD CREST DR, BEDFORD, VA 24523-3214
Document Number	0180001797
Instrument Date	Feb 22, 2018
Instrument	180001797
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ACQUISITION TITLE AND SETTLEMENT, ACQUISITION TITLE & STLMNT

Transaction

Amount	Amount 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	1603 MCVEIGH RD, LYNCHBURG, VA 24502-2816

Tax Assessment & Valuation

The 2025 property tax bill for 1109 Emerald Crest Dr was $1,258.

Source: Bedford County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Bedford County
Municipality	Bedford Town
Unified School District	Bedford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,258.00	$307,000 Land $36,000 Building $271,000
2023	$1,258.00 Additional exemption filed	$153,500	$307,000 Land $36,000 Building $271,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1109 Emerald Crest 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	8 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 1109 Emerald Crest 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 67% of the US · above 54% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,200 / 50

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Emerald Crest Dr

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