1392 Colby Dr, Forest, VA 24551 Property Records

Bedford County property record for 1392 Colby Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,288 sqft · built 2006
Lot Size	2.08 acres (90,605 sqft)
Owner	2 Company Names on Record
Last Sale	$410,000 (Jan 2014)
Tax Bill	$3,380 (2025)
Deeds & Mortgages	Oct 2021 Refinance Jun 2022 Line of Credit + 11 more
Flood Zone	Zone X (minimal risk)
APN	`153 20 41`

Property Details

APN / Parcel Number

Primary APN	`153 20 41`
Alternative APNs	`90504017` `476630`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,288 sqft Living Area
1st Floor Area	1,854 sqft
Basement Area	1,854 sqft
Unfinished Basement	1,854 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	90,605 sqft (2.08 acres)
Garage Area	828 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	310 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1392 COLBY DR
City	FOREST
State	VA
Zip	24551-1789
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOMERSET MEADOWS SEC 4 LT 41 PB 40/250
Legal Subdivision	SOMERSET MEADOWS
Legal Lot Number	41
Jurisdiction	BEDFORD VA
Township / Civil Division	3
Census Block Group	1
Census Block	1007
Census Tract	30202

Owner

Source: Bedford County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1392 COLBY DR, FOREST, VA 24551-1789
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN NATIONAL BANK AND TRUST COMPANY
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK AND TRUST COMPANY
Nov 30, 2009	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN NATIONAL BANK & TRUST CO
Apr 26, 2006	Deed of Trust, Mortgage · Line of Credit BEDFORD FSB
Oct 4, 2006	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
Jan 30, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 30, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 16, 2026	Gift Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 9, 2014	Gift Deed, Transfer · Conventional Mortgage UNITED MUTUAL FUNDING CORP
Jan 28, 2014	Deed, Transfer · Seller Carry-Back STELLARONE BANK
Apr 15, 2013	Trustee's Deed, Foreclosure
Feb 1, 2006	Gift Deed, Transfer · Conventional Mortgage NATIONAL BANK
Jun 6, 2005	Deed, Transfer · Line of Credit COMMUNITY FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2014 · Amount on Record
Deed Sale	Jan 28, 2014 · Amount on Record
Prior Sale	Apr 15, 2013 · Amount on Record
Deed Document Number	2014789
Last Transfer Date	Jan 16, 2026
Transfer Doc	0000000813
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210014438
Date	Oct 12, 2021
Instrument	210014438

Lender

Name	AMERICAN NATIONAL BANK AND TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.13%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220006705
Date	Jun 13, 2022
Instrument	220006705

Lender

Name	AMERICAN NATIONAL BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090014038
Date	Nov 30, 2009
Instrument	090014038

Lender

Name	AMERICAN NATIONAL BANK & TRUST CO
Type	Bank
Address	DANVILLE, VA 24541

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060006135
Date	Apr 26, 2006
Instrument	060006135

Lender

Name	BEDFORD FSB
Address	CHRISTIANSBURG, VA 24073

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060015358
Date	Oct 4, 2006
Instrument	060015358

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	CHRISTIANSBURG, VA 24073

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	237 Months
Due	Jul 10, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Jan 30, 2026
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Document Number	0260000813
Map Reference	MB 40 PG 250
Instrument Date	Jan 16, 2026
Instrument	260000813
Transaction Type	Transfer
Record Updated	Feb 23, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1392 COLBY DR, FOREST, VA 24551-1789

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Jan 30, 2026
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Document Number	0260000813
Instrument Date	Jan 16, 2026
Instrument	260000813
Transaction Type	Transfer
Record Updated	Feb 23, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1392 COLBY DR, FOREST, VA 24551-1789

January 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 16, 2026
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Document Number	0260000472
Map Reference	MB 40 PG 250
Instrument Date	Jan 9, 2026
Instrument	260000472
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1392 COLBY DR, FOREST, VA 24551-1789

Mortgage

Document Number	0260000473
Date	Jan 16, 2026
Instrument	260000473

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2014: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BEDFORD VA
Recording Date	Oct 9, 2014
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Document Number	0140008392
Map Reference	MB40 PG250
Instrument Date	Sep 30, 2014
Instrument	140008392
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140008393
Date	Oct 9, 2014
Instrument	140008393

Lender

Name	UNITED MUTUAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 3, 2029

Interest

Rate	3.12%

January 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 28, 2014
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Document Number	0140000789
Map Reference	MB40 PG250
Instrument Date	Jan 20, 2014
Instrument	140000789
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 INDUSTRY WAY, STAUNTON, VA 24401-9052

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0140000790
Date	Jan 28, 2014
Instrument	140000790

Lender

Name	STELLARONE BANK
Type	Bank

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2044

Interest

Rate Type	Fixed Rate
Rate	4.25%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	9.25%

April 2013: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 15, 2013
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Document Number	0130004207
Map Reference	MB40 PG250
Instrument Date	Apr 15, 2013
Instrument	130004207
Transaction Type	Foreclosure
Record Updated	Jan 29, 2026

Transaction

Amount	Amount Recorded
Tax	$505.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2006: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BEDFORD VA
Recording Date	Feb 1, 2006
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Document Number	0060001458
Map Reference	MB40 PG250
Instrument Date	Jan 25, 2006
Instrument	060001458
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	00000

Mortgage

Document Number	0060001459
Date	Feb 1, 2006
Instrument	060001459

Lender

Name	NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Jun 6, 2005
Property Address	1392 COLBY DR, FOREST, VA 24551-1789
Document Number	0050008571
Map Reference	MB40 PG250
Instrument Date	May 31, 2005
Instrument	050008571
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Tax	$52.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0050008572
Date	Jun 6, 2005
Instrument	050008572

Lender

Name	COMMUNITY FIRST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,380.00	$824,500 (+1%) Land $75,000 Building $749,500
2023	$3,380.00 Additional exemption filed	$412,250	$824,500 Land $75,000 Building $749,500

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

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 66% of the US · above 56% 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

5G (outdoors only) and 4G LTE

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