1578 Ty Bluff Rd, Forest, VA 24551 Property Records

Bedford County property record for 1578 Ty Bluff Rd, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,510 sqft · built 2011
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Individual Names on Record
Last Sale	$915,000 (Apr 2026)
Tax Bill	$2,273 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`99 9 15`

Property Details

APN / Parcel Number

Primary APN	`99 9 15`
Alternative APNs	`90505350` `451022`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Building Area	3,510 sqft Living Area
1st Floor Area	1,634 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	117,176 sqft (2.69 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1578 TY BLUFF RD
City	FOREST
State	VA
Zip	24551-3452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IVY TRACE SEC 1 LT 15 PB 43/42
Legal Subdivision	IVY TRACE SEC 1
Legal Lot Number	15
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	1
Census Block	1006
Census Tract	30103

Owner

Source: Bedford County records, as of April 24, 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	1578 TY BLUFF RD, FOREST, VA 24551-3452
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE JAMES
Aug 31, 2017	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE JAMES
Jan 12, 2011	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Jun 4, 2012	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Apr 10, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Oct 20, 2010 · Amount on Record
Deed Document Number	20263172
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1578 TY BLUFF RD, FOREST, VA 24551-3452
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200004161
Date	Apr 28, 2020
Instrument	200004161

Lender

Name	BANK OF THE JAMES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1578 TY BLUFF RD, FOREST, VA 24551-3452
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170008169
Date	Aug 31, 2017
Instrument	170008169

Lender

Name	BANK OF THE JAMES

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1578 TY BLUFF RD, FOREST, VA 24551-3452
Transaction Type	Mortgage
Record Updated	Apr 30, 2026
Title Company	JUST US TITLE, JUSTICE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110000539
Date	Jan 12, 2011
Instrument	110000539

Lender

Name	TD BANK NA
Type	Bank
Address	PORTLAND, ME 04101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2041

Interest

Rate	4.75%

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	1578 TY BLUFF RD, FOREST, VA 24551-3452
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0120005968
Date	Jun 4, 2012
Instrument	120005968

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2042

Interest

Rate	3.75%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 10, 2026
Property Address	1578 TY BLUFF RD, FOREST, VA 24551-3452
Document Number	0000003172
Instrument Date	Mar 30, 2026
Instrument	2026.3172
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92,415.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1578 TY BLUFF RD, FOREST, VA 24551-3452

Mortgage

Document Number	0000003173,
Date	Apr 10, 2026
Instrument	2026..3173

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

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	$2,273.00	$554,600 (+1%) Land $87,000 Building $467,600
2023	$2,273.00 Additional exemption filed	$277,300	$554,600 Land $87,000 Building $467,600

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 · 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	6 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

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	0.03% 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Glo Fiber Cable	1,200 / 50

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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