1325 Nicholas Ln, Moneta, VA 24121 Property Records

Bedford County property record for 1325 Nicholas Ln, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,046 sqft · built 2011
Lot Size	1.04 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$1,750,000 (May 2023)
Tax Bill	$4,113 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`241 A 6G`

Property Details

APN / Parcel Number

Primary APN	`241 A 6G`
Alternative APNs	`90510301` `516624`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	3,046 sqft Living Area
1st Floor Area	1,999 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)
Deck Area	393 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1325 NICHOLAS LN
City	MONETA
State	VA
Zip	24121-3593
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 PB 51/22
Legal Lot Number	3
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	1
Census Block	1009
Census Tract	30503

Owner

1325 Nicholas Ln is owned by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	38140 WINSOME TRAIL LN, PURCELLVILLE, VA 20132-2964
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 1, 2023	Warranty Deed, Transfer · ARM COMMERCE BANK
Apr 11, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance AMERICAN HERITAGE LENDING LLC
Apr 10, 2019	Warranty Deed, Transfer · Commercial Mortgage SELECT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023 · Amount on File
Deed Sale	May 1, 2023 · Amount on File
Prior Sale	Apr 10, 2019 · Amount on File
Deed Document Number	20233424
Prior Transfer Date	Mar 25, 2022
Prior Transfer Doc	0000004208
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	May 1, 2023
Property Address	1325 NICHOLAS LN, MONETA, VA 24121-3593
Document Number	0230003424
Instrument Date	Apr 28, 2023
Instrument	230003424
Transaction Type	Transfer
Record Updated	May 24, 2023

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	38140 WINSOME TRAIL LN, PURCELLVILLE, VA 20132-2964

Mortgage

Document Number	0230003425
Date	May 1, 2023
Instrument	230003425

Lender

Name	COMMERCE BANK

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2033
Change Frequency	Annually

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 11, 2022
Property Address	1325 NICHOLAS LN, MONETA, VA 24121-3593
Document Number	0220004208
Instrument Date	Mar 25, 2022
Instrument	220004208
Transaction Type	Transfer
Record Updated	May 9, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14830 DISTAFF RD, MIDLOTHIAN, VA 23112-4630

Mortgage

Document Number	0220004209
Date	Apr 11, 2022
Instrument	220004209

Lender

Name	AMERICAN HERITAGE LENDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.38%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 10, 2019
Property Address	1325 NICHOLAS LN, MONETA, VA 24121-3593
Document Number	0190003040
Instrument Date	Oct 27, 2018
Instrument	190003040
Transaction Type	Transfer
Record Updated	May 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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	1325 NICHOLAS LN, MONETA, VA 24121-3593

Mortgage

Document Number	0190003041
Date	Apr 10, 2019
Instrument	190003041

Lender

Name	SELECT BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1325 Nicholas Ln was $4,113.

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	$4,113.00	$1,003,200 (-) Land $260,000 Building $743,200
2025	$4,113.00	$1,003,200 Land $260,000 Building $743,200
2023	$4,113.00 Additional exemption filed	$501,600	$1,003,200 Land $260,000 Building $743,200

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

FEMA maps place 1325 Nicholas Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1992–2005)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2005 · rainfall accumulation

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 1325 Nicholas Ln 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
ZiTEL Fiber	960 / 960
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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