1182 Commonwealth Cir, Forest, VA 24551 Property Records

Bedford County property record for 1182 Commonwealth Cir, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Jul 2024)
Tax Bill	$991 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`99 22 52`

Property Details

APN / Parcel Number

Primary APN	`99 22 52`
Alternative APNs	`90510086` `525736`

Exterior

Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Account Number	525736
Street Address	1182 COMMONWEALTH CIR
City	FOREST
State	VA
Zip	24551-2553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARMINGTON AT FOREST SEC 13 LT 52 PB 50/313
Legal Subdivision	FARMINGTON AT FOREST
Legal Lot Number	5
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	1
Census Block	1013
Census Tract	30103

Owner

Source: Bedford County records, as of January 26, 2026

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
Mailing Address	1182 COMMONWEALTH CIR, FOREST, VA 24551-2553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 17, 2022	Deed of Trust, Mortgage · Line of Credit MEMBER ONE FEDERAL CREDIT UNION
Mar 11, 2020	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2024 · Amount on Record
Deed Sale	Jul 16, 2024 · Amount on Record
Prior Sale	Mar 11, 2020 · Amount on Record
Deed Document Number	240005465
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1182 COMMONWEALTH CIR, FOREST, VA 24551-2553
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1182 COMMONWEALTH CIR, FOREST, VA 24551-2553

Mortgage

Document Number	0250007934
Date	Sep 17, 2025
Instrument	250007934

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1182 COMMONWEALTH CIR, FOREST, VA 24551-2553
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220012393
Date	Nov 17, 2022
Instrument	220012393

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 28, 2047

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Mar 11, 2020
Property Address	1182 COMMONWEALTH CIR, FOREST, VA 24551-2553
Document Number	0200002441
Instrument Date	Mar 10, 2020
Instrument	200002441
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

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	1182 COMMONWEALTH CIR, FOREST, VA 24551-2553

Mortgage

Document Number	0200002442
Date	Mar 11, 2020
Instrument	200002442

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2025

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
2025	$991.00 Additional exemption filed	$241,900 (+1%) Land $35,000 Building $206,900
2023	$991.00 Additional exemption filed	$120,950	$241,900 Land $35,000 Building $206,900

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 · 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	6 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% 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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Glo Fiber Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Commonwealth Cir

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