1201 Commonwealth Cir, Forest, VA 24551 Property Records

Bedford County property record for 1201 Commonwealth Cir, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jan 2026)
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`99 22 38`

Property Details

APN / Parcel Number

Primary APN	`99 22 38`
Alternative APNs	`90510072` `529973`

Exterior

Lot Area	3,485 sqft (0.08 acres)

Location & Zoning

Street Address	1201 COMMONWEALTH CIR
City	FOREST
State	VA
Zip	24551-2465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARMINGTON AT FOREST SEC 13 LT 38 PB 50/313
Legal Subdivision	FARMINGTON AT FOREST SEC 1
Legal Lot Number	38
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	1
Census Block	1013
Census Tract	30103

Owner

Source: Bedford County records, as of April 6, 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	1201 COMMONWEALTH CIR, FOREST, VA 24551-2465
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage NATION ONE MORTGAGE
Sep 3, 2020	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Jun 27, 2017	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2026 · Amount on Record
Deed Sale	Jan 23, 2026 · Amount on Record
Prior Sale	Jun 27, 2017 · Amount on Record
Deed Document Number	2026675
Record Updated	Jun 8, 2026

January 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 23, 2026
Property Address	1201 COMMONWEALTH CIR, FOREST, VA 24551-2465
Document Number	0260000675
Map Reference	MB 50 PG 313
Instrument Date	Jan 12, 2026
Instrument	260000675
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
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	1201 COMMONWEALTH CIR, FOREST, VA 24551-2465

Mortgage

Document Number	0260000676
Date	Jan 23, 2026
Instrument	260000676

Lender

Name	NATION ONE MORTGAGE
Type	Subprime Lender
Address	MARLTON, NJ 08053

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1201 COMMONWEALTH CIR, FOREST, VA 24551-2465
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200010196
Date	Sep 3, 2020
Instrument	200010196

Lender

Name	TOWNEBANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jun 27, 2017
Property Address	1201 COMMONWEALTH CIR, FOREST, VA 24551-2465
Document Number	0170005873
Instrument Date	Jun 6, 2017
Instrument	170005873
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ABSOLUTE TITLE AND SETTLEMENT LLC, ABSOLUTE TITLE & SETTLEMENT

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	0170005874
Date	Jun 27, 2017
Instrument	170005874

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of August 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	$1,072.00	$261,500 (+1%) Land $40,000 Building $221,500
2023	$1,072.00 Additional exemption filed	$130,750	$261,500 Land $40,000 Building $221,500

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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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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