1236 Cedar Rock Dr, Forest, VA 24551 Property Records

Bedford County property record for 1236 Cedar Rock Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,915 sqft · built 2006
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$490,000 (Sep 2022)
Tax Bill	$2,084 (2023)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`134 11 12`

Property Details

APN / Parcel Number

Primary APN	`134 11 12`
Alternative APNs	`90506673` `506202`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,915 sqft Living Area
Gross Area	4,660 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	768 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	506202
Street Address	1236 CEDAR ROCK DR
City	FOREST
State	VA
Zip	24551-4603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR ROCK SEC 4 LT 12
Legal Subdivision	CEDAR ROCK
Legal Lot Number	1
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	2
Census Block	2007
Census Tract	30203

Owner

1236 Cedar Rock Dr is owned and occupied by an individual who bought it in September 2022.

Source: Bedford County records, as of August 14, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1236 CEDAR ROCK DR, FOREST, VA 24551-4603
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
Aug 11, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Sep 30, 2022	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORPORATION
Aug 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Oct 7, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Feb 28, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE LENDERS OF AMERICA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Feb 28, 2018 · Amount on File
Deed Document Number	220010903
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Aug 11, 2026
Property Address	1236 CEDAR ROCK DR, FOREST, VA 24551-4603
Document Number	0000007531
Instrument Date	Aug 6, 2026
Instrument	20267531
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1236 CEDAR ROCK DR, FOREST, VA 24551-4603

Mortgage

Document Number	0000007531,
Date	Aug 11, 2026
Instrument	20267531

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 28, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 30, 2022
Property Address	1236 CEDAR ROCK DR, FOREST, VA 24551-4603
Document Number	0220010903
Instrument Date	Sep 26, 2022
Instrument	220010903
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	NOT AVAILABLE, PIKE TITLE

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
Address	1236 CEDAR ROCK DR, FOREST, VA 24551-4603

Mortgage

Document Number	0220010904
Date	Sep 30, 2022
Instrument	220010904

Lender

Name	CHURCHILL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	235 Months
Due	Apr 1, 2042

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1236 CEDAR ROCK DR, FOREST, VA 24551-4603
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210012299
Date	Aug 25, 2021
Instrument	210012299

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1236 CEDAR ROCK DR, FOREST, VA 24551-4603
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190009354
Date	Oct 7, 2019
Instrument	190009354

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Feb 28, 2018
Property Address	1236 CEDAR ROCK DR, FOREST, VA 24551-4603
Document Number	180001751
Instrument Date	Feb 23, 2018
Instrument	180001751
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transaction

Amount	Amount 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	10 FOXCROFT CT, MADISON, MS 39110-8359

Mortgage

Document Number	180001753
Date	Feb 28, 2018
Instrument	180001753

Lender

Name	MORTGAGE LENDERS OF AMERICA LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

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	$2,084.00 Additional exemption filed	$254,200	$508,400 Land $80,000 Building $428,400

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

Flood

FEMA maps place 1236 Cedar Rock Dr 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	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

Wildfire risk around 1236 Cedar Rock Dr is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.06% 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 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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