1392 Cedar Rock Dr, Forest, VA 24551 Property Records

Bedford County property record for 1392 Cedar Rock Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,280 sqft · built 2006
Lot Size	0.739 acres (32,234 sqft)
Owner	Individual Name on File
Last Sale	$362,000 (Aug 2017)
Tax Bill	$2,041 (2023)
Deeds & Mortgages	Jun 2021 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`134 11 19`

Property Details

APN / Parcel Number

Primary APN	`134 11 19`
Alternative APNs	`90506680` `501039`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,280 sqft Living Area
Gross Area	5,262 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	32,234 sqft (0.739 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	276 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	501039
Street Address	1392 CEDAR ROCK DR
City	FOREST
State	VA
Zip	24551-4633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR ROCK SEC 4 LT 19
Legal Subdivision	CEDAR ROCK SEC 4
Legal Lot Number	19
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	2
Census Block	2007
Census Tract	30203

Owner

1392 Cedar Rock Dr is owned and occupied by an individual who bought it in August 2017.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1392 CEDAR ROCK DR, FOREST, VA 24551-4633
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 29, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST COMPANY
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Aug 11, 2017	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2017 · Amount on File
Deed Sale	Aug 11, 2017 · Amount on File
Prior Sale	Nov 15, 2006
Deed Document Number	170007497
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1392 CEDAR ROCK DR, FOREST, VA 24551-4633
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210009477
Date	Jun 29, 2021
Instrument	210009477

Lender

Name	FIRST CITIZENS BANK & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1392 CEDAR ROCK DR, FOREST, VA 24551-4633
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002932
Date	Feb 26, 2021
Instrument	210002932

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Aug 11, 2017
Property Address	1392 CEDAR ROCK DR, FOREST, VA 24551-4633
Document Number	170007497
Instrument Date	Aug 1, 2017
Instrument	170007497
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	RIVERSIDE TITLE AGENCY INC, RIVERSIDE TITLE AGENCY LLC

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

Mortgage

Document Number	170007498
Date	Aug 11, 2017
Instrument	170007498

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional 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	$2,041.00 Additional exemption filed	$249,000	$498,000 Land $75,000 Building $423,000

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

Flood

FEMA maps place 1392 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 1392 Cedar Rock Dr is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.07% 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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