1220 Commonwealth Cir, Forest, VA 24551 Property Records

Bedford County property record for 1220 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	$224,900 (Jun 2023)
Tax Bill	$1,108 (2023)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`99 22 59`

Property Details

APN / Parcel Number

Primary APN	`99 22 59`
Alternative APNs	`90510093` `526929`

Exterior

Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Account Number	526929
Street Address	1220 COMMONWEALTH CIR
City	FOREST
State	VA
Zip	24551-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARMINGTON AT FOREST SEC 13 LT 59 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 August 14, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2728 WARDS RD, ALTAVISTA, VA 24517-4061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Jun 22, 2023	Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC
Jul 30, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 30, 2018	Warranty Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023 · Amount on Record
Deed Sale	Jun 22, 2023 · Amount on Record
Prior Sale	Jul 30, 2018 · Amount on Record
Deed Document Number	230005028
Record Updated	Jun 7, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1220 COMMONWEALTH CIR, FOREST, VA 24551-2464
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 COMMONWEALTH CIR, FOREST, VA 24551-2464

Mortgage

Document Number	0250009036
Date	Oct 20, 2025
Instrument	250009036

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jun 22, 2023
Property Address	1220 COMMONWEALTH CIR, FOREST, VA 24551-2464
Document Number	0230005028
Instrument Date	Jun 21, 2023
Instrument	230005028
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	1220 COMMONWEALTH CIR, FOREST, VA 24551-2464

Mortgage

Document Number	0230005029
Date	Jun 22, 2023
Instrument	230005029

Lender

Name	EMM LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 30, 2018
Property Address	1220 COMMONWEALTH CIR, FOREST, VA 24551-2464
Document Number	0180006863
Instrument Date	Jul 27, 2018
Instrument	180006863
Transaction Type	Transfer
Record Updated	Aug 15, 2023
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

Mortgage

Document Number	0180006864
Date	Jul 30, 2018
Instrument	180006864

Lender

Name	CARDINAL FINANCIAL COMPANY LP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 30, 2018
Property Address	1220 COMMONWEALTH CIR, FOREST, VA 24551-2464
Document Number	180006863
Instrument Date	Jul 27, 2018
Instrument	180006863
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	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

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	$1,108.00 (+17.62%) Additional exemption filed	$135,200 (+43.52%)	$270,400 (+43.52%) Land $35,000 Building $235,400
2022	$942.00 Additional exemption filed	$94,200	$188,400 Land $30,000 Building $158,400

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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