1120 Coolbrook Rd, Bedford, VA 24523 Property Records

Bedford County property record for 1120 Coolbrook Rd, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,184 sqft · built 1979
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$140,500 (Aug 2018)
Tax Bill	$590 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`231 A 4 10-T`

Property Details

APN / Parcel Number

Primary APN	`231 A 4 10-T`
Alternative APN	`80502411`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,184 sqft Living Area
1st Floor Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1120 COOLBROOK RD
City	BEDFORD
State	VA
Zip	24523-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN & COUNTRY LOT 10
Legal Subdivision	TOWN AND COUNTRY
Legal Lot Number	10
Jurisdiction	BEDFORD VA
Township / Civil Division	6
Census Block Group	2
Census Block	2046
Census Tract	50101

Owner

1120 Coolbrook Rd is owned and occupied by two individuals who bought it in August 2018.

Source: Bedford County records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1120 COOLBROOK RD, BEDFORD, VA 24523-2406
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage ALLIED MORTGAGE GROUP INC
Oct 19, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Aug 28, 2018	Warranty Deed, Transfer · FHA Mortgage CITYWORTH MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2018 · Amount on File
Deed Sale	Aug 28, 2018 · Amount on File
Prior Sale	Jul 10, 2014 · Amount on File
Deed Document Number	20187927
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Jun 23, 2026
Property Address	1120 COOLBROOK RD, BEDFORD, VA 24523-2406
Document Number	0000005755
Instrument Date	Jun 17, 2026
Instrument	20265755
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 COOLBROOK RD, BEDFORD, VA 24523-2406

Mortgage

Document Number	0000005755,
Date	Jun 23, 2026
Instrument	20265755

Lender

Name	ALLIED MORTGAGE GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.63%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1120 COOLBROOK RD, BEDFORD, VA 24523-2406
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230008729
Date	Oct 19, 2023
Instrument	230008729

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	299 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1120 COOLBROOK RD, BEDFORD, VA 24523-2406
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210007639
Date	May 24, 2021
Instrument	210007639

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	328 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Aug 28, 2018
Property Address	1120 COOLBROOK RD, BEDFORD, VA 24523-2406
Document Number	180007927
Instrument Date	Jul 23, 2018
Instrument	180007927
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	AMERICA TITLE, AMERICAN TITLE

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
Address	1120 COOLBROOK RD, BEDFORD, VA 24523-2406

Mortgage

Document Number	180007928
Date	Aug 28, 2018
Instrument	180007928

Lender

Name	CITYWORTH MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1120 Coolbrook Rd was $590.

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	$590.00	$144,000 Land $30,000 Building $114,000
2023	$590.00 Additional exemption filed	$72,000	$144,000 Land $30,000 Building $114,000

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

Flood

FEMA maps place 1120 Coolbrook Rd 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 1120 Coolbrook Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% 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 198 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.

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