1127 Smith St, Bedford, VA 24523 Property Records

Bedford County property record for 1127 Smith St, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,132 sqft · built 1975
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jan 2026)
Tax Bill	$765 (2026)
Deeds & Mortgages	May 2006 Mortgage Nov 2009 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`256 1 A 12-T`

Property Details

APN / Parcel Number

Primary APN	`256 1 A 12-T`
Alternative APN	`80501619`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,132 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1127 SMITH ST
City	BEDFORD
State	VA
Zip	24523-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEDFORD HILLS LT 12 SEC A
Legal Subdivision	BEDFORD HILLS
Legal Lot Number	12
Jurisdiction	BEDFORD VA
Township / Civil Division	6
Census Block Group	1
Census Block	1028
Census Tract	50101

Owner

Source: Bedford County records, as of August 24, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1127 SMITH ST, BEDFORD, VA 24523-3009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 17, 2006	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERIA N A
Nov 9, 2009	Deed of Trust, Mortgage ALLGOOD CONSTRUCTION COMPANY INC
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Jul 8, 2026	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE
Jan 12, 2026	Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Apr 29, 2020	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION
Sep 21, 2016	Warranty Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2026 · Amount on Record
Deed Sale	Jan 12, 2026 · Amount on Record
Prior Sale	Apr 29, 2020 · Amount on Record
Deed Document Number	2026309
Record Updated	Oct 29, 2026

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1127 SMITH ST, BEDFORD, VA 24523-3009
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060007487
Date	May 17, 2006
Instrument	060007487

Lender

Name	BANK OF AMERIA N A
Address	RICHMOND, VA 23227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2036

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1127 SMITH ST, BEDFORD, VA 24523-3009
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090013395
Date	Nov 9, 2009
Instrument	090013395

Lender

Name	ALLGOOD CONSTRUCTION COMPANY INC
Type	Non-Lending Institution
Address	GREENSBORO, NC 27419

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 10, 2014

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Jul 8, 2026
Property Address	1127 SMITH ST, BEDFORD, VA 24523-3009
Document Number	0000006286
Instrument Date	Jan 12, 2026
Instrument	20266286
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	ANCHOR TITLE GROUP, ANCHOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	262 WALNUT RIDGE DR, FOREST, VA 24551-1940

Mortgage

Document Number	0000006286,
Date	Jul 8, 2026
Instrument	20266286

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Jul 8, 2026
Property Address	1127 SMITH ST, BEDFORD, VA 24523-3009
Document Number	0000006285
Instrument Date	Jan 12, 2026
Instrument	20266285
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	ANCHOR TITLE GROUP, ANCHOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 SMITH ST, BEDFORD, VA 24523-3009

Mortgage

Document Number	0000006285,
Date	Jul 8, 2026
Instrument	20266285

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 12, 2026
Property Address	1127 SMITH ST, BEDFORD, VA 24523-3009
Document Number	0260000309
Map Reference	MB 18 PG 7
Instrument Date	Jan 2, 2026
Instrument	260000309
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	VIRGINIA TITLE CENTER LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1127 SMITH ST, BEDFORD, VA 24523-3009

Mortgage

Document Number	0260000310
Date	Jan 12, 2026
Instrument	260000310

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Mortgage

Document Number	0260000311
Date	Jan 12, 2026
Instrument	260000311

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 29, 2020
Property Address	1127 SMITH ST, BEDFORD, VA 24523-3009
Document Number	0200004268
Instrument Date	Apr 15, 2020
Instrument	200004268
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ACQUISITION TITLE, ACQUISITION TITLE&STLMNT

Transaction

Amount	Amount Recorded
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	1127 SMITH ST, BEDFORD, VA 24523-3009

Mortgage

Document Number	0200004269
Date	Apr 29, 2020
Instrument	200004269

Lender

Name	SWBC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 21, 2016
Property Address	1127 SMITH ST, BEDFORD, VA 24523-3009
Document Number	0160008791
Instrument Date	Sep 12, 2016
Instrument	160008791
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	UNKNOWN, MOUNTAIN VIEW STLMNT SVCS

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
Investor	Possibly a Property Investor

Mortgage

Document Number	0160008792
Date	Sep 21, 2016
Instrument	160008792

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$765.00	$186,600 (-) Land $40,000 Building $146,600
2025	$765.00	$186,600 (+1%) Land $40,000 Building $146,600
2023	$765.00 Additional exemption filed	$93,300	$186,600 Land $40,000 Building $146,600

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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