1112 Smith St, Bedford, VA 24523 Property Records

Bedford County property record for 1112 Smith St, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,196 sqft · built 1978
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Company Names on File
Last Sale	$305,000 (Mar 2026)
Tax Bill	$986 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256 2 A 4-T`

Property Details

APN / Parcel Number

Primary APN	`256 2 A 4-T`
Alternative APN	`80502814`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Basement Area	358 sqft
Finished Basement	358 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1112 SMITH ST
City	BEDFORD
State	VA
Zip	24523-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMITHFIELD SUBD LOT 4 SEC A
Legal Subdivision	SMITHFIELD
Legal Lot Number	4
Jurisdiction	BEDFORD VA
Township / Civil Division	6
Census Block Group	1
Census Block	1030
Census Tract	50101

Owner

Source: Bedford County records, as of July 23, 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 Company Names on File
Mailing Address	1112 SMITH ST, BEDFORD, VA 24523-3010
Owner Type	Company
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed, Transfer · FHA Mortgage RENASANT BANK
Jan 14, 2026	Gift Deed, Transfer
Mar 15, 2023	Intrafamily Transfer, Transfer
Apr 2, 2018	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on File
Deed Sale	Mar 9, 2026 · Amount on File
Prior Sale	Apr 2, 2018 · Amount on File
Deed Document Number	20262013
Prior Transfer Date	Mar 14, 2023
Prior Transfer Doc	0000002000
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Mar 9, 2026
Property Address	1112 SMITH ST, BEDFORD, VA 24523-3010
Document Number	0260002013
Instrument Date	Feb 27, 2026
Instrument	260002013
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	LEADING EDGE TITLE/BRANDON LLC, LEADING EDGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1112 SMITH ST, BEDFORD, VA 24523-3010

Mortgage

Document Number	0260002014
Date	Mar 9, 2026
Instrument	260002014

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 14, 2026
Property Address	1112 SMITH ST, BEDFORD, VA 24523-3010
Document Number	0260000398
Instrument Date	Jan 13, 2026
Instrument	260000398
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Mar 15, 2023
Property Address	1112 SMITH ST, BEDFORD, VA 24523-3010
Document Number	0230002000
Instrument Date	Mar 14, 2023
Instrument	230002000
Transaction Type	Transfer
Record Updated	Apr 26, 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

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 2, 2018
Property Address	1112 SMITH ST, BEDFORD, VA 24523-3010
Document Number	180002872
Instrument Date	Mar 28, 2018
Instrument	180002872
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	ANCHOR TITLE/FL LLC, ANCHOR TITLE OF SML LLC

Transaction

Amount	Amount on Record
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	180002873
Date	Apr 2, 2018
Instrument	180002873

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of July 23, 2026

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
2026	$986.00	$240,600 (-) Land $40,000 Building $200,600
2025	$986.00	$240,600 (+1%) Land $40,000 Building $200,600
2023	$986.00 Additional exemption filed	$120,300	$240,600 Land $40,000 Building $200,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 65% of the US · above 58% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable · Fiber in parts of the area	1,200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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