1305 Colby Dr, Forest, VA 24551 Property Records

Bedford County property record for 1305 Colby Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Individual Names on Record
Last Sale	$592,800 (Dec 2023)
Tax Bill	$1,989 (2026)
Deeds & Mortgages	May 2020 Construction Loan Apr 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`153 15 29`

Property Details

APN / Parcel Number

Primary APN	`153 15 29`
Alternative APNs	`30000377` `515803`

Exterior

Lot Area	70,132 sqft (1.61 acres)

Location & Zoning

Street Address	1305 COLBY DR
City	FOREST
State	VA
Zip	24551-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOMERSET MEADOWS LT 29 SEC 3
Legal Subdivision	SOMERSET MEADOWS
Legal Lot Number	2
Jurisdiction	BEDFORD VA
Township / Civil Division	3
Census Block Group	1
Census Block	1004
Census Tract	30202

Owner

Source: Bedford County records, as of October 13, 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	1305 COLBY DR, FOREST, VA 24551-1823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK
Apr 15, 2026	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE
Aug 29, 2025	Deed of Trust, Mortgage · Line of Credit BLUE EAGLE CU
Dec 14, 2023	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Oct 13, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2023 · Amount on Record
Deed Sale	Dec 14, 2023 · Amount on Record
Prior Sale	Jan 20, 2021 · Amount on Record
Deed Document Number	202310369
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1305 COLBY DR, FOREST, VA 24551-1823
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0200004900
Date	May 15, 2020
Instrument	200004900

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Apr 15, 2026
Property Address	1305 COLBY DR, FOREST, VA 24551-1823
Document Number	0000003303
Instrument Date	Apr 10, 2026
Instrument	20263303
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 COLBY DR, FOREST, VA 24551-1823

Mortgage

Document Number	0000003303,
Date	Apr 15, 2026
Instrument	20263303

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1305 COLBY DR, FOREST, VA 24551-1823
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 COLBY DR, FOREST, VA 24551-1823

Mortgage

Document Number	0250007369
Date	Aug 29, 2025
Instrument	250007369

Lender

Name	BLUE EAGLE CU
Type	Credit Union
Address	ROANOKE, VA 24018

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Sep 13, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Dec 14, 2023
Property Address	1305 COLBY DR, FOREST, VA 24551-1823
Document Number	0230010369
Instrument Date	Nov 27, 2023
Instrument	230010369
Transaction Type	Transfer
Record Updated	Jan 3, 2024
Title Company	NOT AVAILABLE, RELIANCE TITLE & STLMNT LLC

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	1305 COLBY DR, FOREST, VA 24551-1823

Mortgage

Document Number	0230010370
Date	Dec 14, 2023
Instrument	230010370

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1305 COLBY DR, FOREST, VA 24551-1823
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220011320
Date	Oct 13, 2022
Instrument	220011320

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2062

Interest

Rate Type	Adjustable Rate
Rate	8.75%

Tax Assessment & Valuation

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	$1,989.00	$485,200 (-) Land $56,000 Building $429,200
2025	$1,989.00	$485,200 (+1%) Land $56,000 Building $429,200
2023	$1,989.00 Additional exemption filed	$242,600	$485,200 Land $56,000 Building $429,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.04% 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 104 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE only, no 5G reported

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