1221 Commonwealth Cir, Forest, VA 24551 Property Records

Bedford County property record for 1221 Commonwealth Cir, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$179,900 (Oct 2018)
Tax Bill	$1,051 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`99 22 33`

Property Details

APN / Parcel Number

Primary APN	`99 22 33`
Alternative APNs	`90510067` `512318`

Exterior

Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Street Address	1221 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 33 PB 50/313
Legal Subdivision	FARMINGTON AT FOREST SEC 1
Legal Lot Number	33
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	1
Census Block	1013
Census Tract	30103

Owner

1221 Commonwealth Cir is owned and occupied by an individual who bought it in October 2018.

Source: Bedford County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	1221 COMMONWEALTH CIR, FOREST, VA 24551-2465
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit SELECT BANK
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE JAMES
Oct 9, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF THE JAMES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2018 · Amount on File
Deed Sale	Oct 9, 2018 · Amount on File
Deed Document Number	20189213
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	May 12, 2026
Property Address	1221 COMMONWEALTH CIR, FOREST, VA 24551-2465
Document Number	0000004208
Instrument Date	May 1, 2026
Instrument	20264208
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1221 COMMONWEALTH CIR, FOREST, VA 24551-2465

Mortgage

Document Number	0000004208,
Date	May 12, 2026
Instrument	20264208

Lender

Name	SELECT BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1221 COMMONWEALTH CIR, FOREST, VA 24551-2465
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	NOT AVAILABLE, MOUNTAIN VIEW STLMNT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200006668
Date	Jun 24, 2020
Instrument	200006668

Lender

Name	BANK OF THE JAMES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Oct 9, 2018
Property Address	1221 COMMONWEALTH CIR, FOREST, VA 24551-2465
Document Number	0180009213
Instrument Date	Sep 25, 2018
Instrument	180009213
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	NOT AVAILABLE, MOUNTAIN VIEW STLMNT SVCS

Transaction

Amount	Amount on Record
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	0180009214
Date	Oct 9, 2018
Instrument	180009214

Lender

Name	BANK OF THE JAMES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1221 Commonwealth Cir was $1,051.

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	$1,051.00	$256,500 Land $35,000 Building $221,500
2023	$1,051.00 Additional exemption filed	$128,250	$256,500 Land $35,000 Building $221,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1221 Commonwealth Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1221 Commonwealth Cir is low, with a 0.03% annual chance of 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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