1357 Willow Oak Dr, Forest, VA 24551 Property Records

Bedford County property record for 1357 Willow Oak Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 1999
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Sep 2025)
Tax Bill	$884 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`135 26 3`

Property Details

APN / Parcel Number

Primary APN	`135 26 3`
Alternative APNs	`13502705` `500254`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1357 WILLOW OAK DR
City	FOREST
State	VA
Zip	24551-2978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3
Legal Subdivision	SANDRA G GOWDY PROP
Legal Lot Number	3
Jurisdiction	BEDFORD VA
Township / Civil Division	3
Census Block Group	1
Census Block	1004
Census Tract	30203

Owner

1357 Willow Oak Dr is owned and occupied by an individual who bought it in September 2025.

Source: Bedford County records, as of March 26, 2026

Owner of Record	Individual Name on File
Mailing Address	1357 WILLOW OAK DR, FOREST, VA 24551-2978
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Sep 9, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jul 14, 2017	Warranty Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2025 · Amount on File
Deed Sale	Sep 9, 2025 · Amount on File
Prior Sale	Jul 14, 2017 · Amount on File
Deed Document Number	20257694
Record Updated	Jun 8, 2026

September 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 9, 2025
Property Address	1357 WILLOW OAK DR, FOREST, VA 24551-2978
Document Number	0250007694
Map Reference	MB 31 PG 322
Instrument Date	Sep 8, 2025
Instrument	250007694
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	UNKNOWN, PIKE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1357 WILLOW OAK DR, FOREST, VA 24551-2978

Mortgage

Document Number	0250007695
Date	Sep 9, 2025
Instrument	250007695

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 14, 2017
Property Address	1357 WILLOW OAK DR, FOREST, VA 24551-2978
Document Number	170006345
Instrument Date	Jul 11, 2017
Instrument	170006345
Transaction Type	Transfer
Record Updated	Sep 2, 2021
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	1357 WILLOW OAK DR, FOREST, VA 24551-2978

Mortgage

Document Number	170006346
Date	Jul 14, 2017
Instrument	170006346

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1357 Willow Oak Dr was $884.

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	$884.00	$215,800 Land $55,000 Building $160,800
2023	$884.00 Additional exemption filed	$107,900	$215,800 Land $55,000 Building $160,800

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 1357 Willow Oak Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1357 Willow Oak Dr is low, with a 0.05% 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	0.05% 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 66 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

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