111 Cold Branch Rd, Forest, VA 24551 Property Records

Bedford County property record for 111 Cold Branch Rd, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,930 sqft · built 2007
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Aug 2021)
Tax Bill	$2,574 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135 17 5`

Property Details

APN / Parcel Number

Primary APN	`135 17 5`
Alternative APNs	`13500023` `498068`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,930 sqft Living Area
1st Floor Area	1,740 sqft
Basement Area	1,740 sqft
Unfinished Basement	1,740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Deck Area	432 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	111 COLD BRANCH RD
City	FOREST
State	VA
Zip	24551-2111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MT HAVENLT 5 SEC 2
Legal Subdivision	MT HAVEN
Legal Lot Number	5
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	2
Census Block	2006
Census Tract	30203

Owner

Source: Bedford County records, as of March 27, 2026

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 Record
Mailing Address	111 COLD BRANCH RD, FOREST, VA 24551-2111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Line of Credit NORTHWEST FEDERAL CREDIT UNION
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Apr 28, 2017	Warranty Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021 · Amount on Record
Deed Sale	Aug 6, 2021 · Amount on Record
Prior Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	202111507
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	111 COLD BRANCH RD, FOREST, VA 24551-2111
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210010552
Date	Jul 20, 2021
Instrument	210010552

Lender

Name	NORTHWEST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	294 Months
Due	Jan 22, 2046

Interest

Rate Type	Adjustable Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Aug 6, 2021
Property Address	111 COLD BRANCH RD, FOREST, VA 24551-2111
Document Number	210011507
Instrument Date	Jul 28, 2021
Instrument	210011507
Transaction Type	Transfer
Record Updated	Aug 25, 2021

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	111 COLD BRANCH RD, FOREST, VA 24551-2111

Mortgage

Document Number	210011508
Date	Aug 6, 2021
Instrument	210011508

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 28, 2017
Property Address	111 COLD BRANCH RD, FOREST, VA 24551-2111
Document Number	170003795
Instrument Date	Apr 28, 2017
Instrument	170003795
Transaction Type	Transfer
Record Updated	Sep 2, 2021
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

Mortgage

Document Number	170003796
Date	Apr 28, 2017
Instrument	170003796

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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
2025	$2,574.00	$627,900 (+1%) Land $75,000 Building $552,900
2023	$2,574.00 Additional exemption filed	$313,950	$627,900 Land $75,000 Building $552,900

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 · 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

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	0.05% 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 63 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

Cell Coverage

5G (outdoors only) and 4G LTE

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