1281 Charmin Dr, Forest, VA 24551 Property Records

Bedford County property record for 1281 Charmin Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,300 sqft · built 1995
Lot Size	1.48 acres (64,469 sqft)
Owner	2 Individual Names on File
Last Sale	$259,000 (Aug 2016)
Tax Bill	$1,569 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Jan 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`136E 2 23`

Property Details

APN / Parcel Number

Primary APN	`136E 2 23`
Alternative APNs	`13600223` `491206`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,300 sqft Living Area
1st Floor Area	1,150 sqft
Basement Area	1,150 sqft
Unfinished Basement	1,150 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	64,469 sqft (1.48 acres)
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1281 CHARMIN DR
City	FOREST
State	VA
Zip	24551-1153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE MEADOWSLT 23 SEC 5
Legal Subdivision	THE MEADOWS
Legal Lot Number	23
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	2
Census Block	2015
Census Tract	30203

Owner

1281 Charmin Dr is owned and occupied by two individuals who bought it in August 2016.

Source: Bedford County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1281 CHARMIN DR, FOREST, VA 24551-1153
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
Jun 5, 2023	Deed of Trust, Mortgage · Line of Credit LANGLEY FEDERAL CREDIT UNION
Jan 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2016 · Amount on File
Deed Sale	Aug 5, 2016 · Amount on File
Prior Sale	Aug 5, 2009 · Amount on File
Deed Document Number	20167056
Prior Transfer Date	Nov 7, 2012
Prior Transfer Doc	0000012799
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1281 CHARMIN DR, FOREST, VA 24551-1153
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230004471
Date	Jun 5, 2023
Instrument	230004471

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	143 Months
Due	May 22, 2035

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1281 CHARMIN DR, FOREST, VA 24551-1153
Transaction Type	Mortgage
Record Updated	Sep 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001139
Date	Jan 28, 2022
Instrument	220001139

Lender

Name	BETTER MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1281 Charmin Dr was $1,569.

Source: Bedford County assessment roll, as of July 23, 2026

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
2026	$1,569.00	$382,800 Land $65,000 Building $317,800
2023	$1,569.00 Additional exemption filed	$191,400	$382,800 Land $65,000 Building $317,800

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

Flood

FEMA maps place 1281 Charmin 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 1281 Charmin Dr is low, with a 0.02% annual chance of 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	0.02% 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Glo Fiber Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Charmin Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures