116 Harmony Ln, Forest, VA 24551 Property Records

Bedford County property record for 116 Harmony Ln, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,569 sqft · built 2002
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Apr 2019)
Tax Bill	$2,471 (2023)
Deeds & Mortgages	Oct 2021 Refinance Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135 18 5`

Property Details

APN / Parcel Number

Primary APN	`135 18 5`
Alternative APNs	`13500037` `517088`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,569 sqft Living Area
Gross Area	6,731 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)
Garage Area	561 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	170 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	517088
Street Address	116 HARMONY LN
City	FOREST
State	VA
Zip	24551-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MT HAVENLT 5 SEC 3
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 August 14, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	116 HARMONY LN, FOREST, VA 24551-2114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Apr 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Apr 25, 2019	Warranty Deed, Transfer · Conventional Mortgage JG WENTWORTH HOME LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2019 · Amount on Record
Deed Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	190003554
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	116 HARMONY LN, FOREST, VA 24551-2114
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210014844
Date	Oct 20, 2021
Instrument	210014844

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	153 Months
Due	Jul 1, 2034

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	116 HARMONY LN, FOREST, VA 24551-2114
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004922
Date	Apr 1, 2021
Instrument	210004922

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	158 Months
Due	Jun 1, 2034

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 25, 2019
Property Address	116 HARMONY LN, FOREST, VA 24551-2114
Document Number	190003554
Instrument Date	Apr 17, 2019
Instrument	190003554
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	PERFORMANCE TITLE AND SETTLEMENT, PERFORMANCE TITLE & STLMNT

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	190003555
Date	Apr 25, 2019
Instrument	190003555

Lender

Name	JG WENTWORTH HOME LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

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
2023	$2,471.00 Additional exemption filed	$301,400	$602,800 Land $83,000 Building $519,800

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 64% of the US · above 60% of Virginia
Wildfire Likelihood	0.06% 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)
T-Mobile Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Glo Fiber Cable	1,200 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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