111 Rustic Ct, Lynchburg, VA 24503 Property Records

Bedford County property record for 111 Rustic Ct, Lynchburg, VA 24503

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,556 sqft · built 1984
Lot Size	3 acres (130,680 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,649 (2026)
Deeds & Mortgages	Dec 2019 Mortgage Jun 2019 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`64 6 18`

Property Details

APN / Parcel Number

Primary APN	`64 6 18`
Alternative APNs	`6406200` `509288`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	3,556 sqft Living Area
1st Floor Area	2,032 sqft
Basement Area	2,032 sqft
Finished Basement	2,032 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Deck Area	611 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	111 RUSTIC CT
City	LYNCHBURG
State	VA
Zip	24503-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKMONT PARK LT 18
Legal Subdivision	OAKMONT PARK
Legal Lot Number	1
Jurisdiction	BEDFORD VA
Township / Civil Division	5
Census Block Group	2
Census Block	2014
Census Tract	30101

Owner

Source: Bedford County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK (VA)
Jun 13, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NATIONAL ASSOCIATION
Feb 11, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK
Oct 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Aug 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK
Feb 17, 2023	Intrafamily Transfer, Transfer
Jun 11, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK (VA)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 15, 2023
Transfer Doc	0000001190
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732
Transaction Type	Mortgage
Record Updated	Mar 29, 2023
Title Company	RELIAN TITLE, RELIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190012213
Date	Dec 23, 2019
Instrument	190012213

Lender

Name	FIRST NATIONAL BANK (VA)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732
Transaction Type	Mortgage
Record Updated	Mar 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190005209
Date	Jun 13, 2019
Instrument	190005209

Lender

Name	PNC BANK NATIONAL ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732
Transaction Type	Mortgage
Record Updated	Mar 29, 2023
Title Company	FIRST NATIONS TITLE, FIRST NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001416
Date	Feb 11, 2020
Instrument	200001416

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732
Transaction Type	Mortgage
Record Updated	Mar 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210014144
Date	Oct 4, 2021
Instrument	210014144

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	342 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.88%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732
Transaction Type	Mortgage
Record Updated	Mar 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220009451
Date	Aug 22, 2022
Instrument	220009451

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Feb 17, 2023
Property Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732
Document Number	0230001190
Instrument Date	Feb 15, 2023
Instrument	230001190
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Jun 11, 2018
Property Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732
Document Number	0180005276
Instrument Date	May 22, 2018
Instrument	180005276
Transaction Type	Transfer
Record Updated	Mar 29, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 RUSTIC CT, LYNCHBURG, VA 24503-1732

Mortgage

Document Number	0180005277
Date	Jun 11, 2018
Instrument	180005277

Lender

Name	FIRST NATIONAL BANK (VA)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.63%

Tax Assessment & Valuation

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	$2,649.00	$646,300 (+1%) Land $86,000 Building $560,300
2023	$2,649.00 Additional exemption filed	$323,150	$646,300 Land $86,000 Building $560,300

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	7 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	0.03% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
ZiTEL Fiber	960 / 960
Starlink Satellite	280 / 30

May also be available: Glo Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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