1645 Bear Trl, Cana, VA 24317 Property Records

Carroll County property record for 1645 Bear Trl, Cana, VA 24317

Property Summary

Property Type	Single Family Home
Lot Size	1.68 acres (73,181 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,364 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`143-A-29B`

Property Details

APN / Parcel Number

Primary APN	`143-A-29B`
Alternative APN	`34391`

Exterior

Lot Area	73,181 sqft (1.68 acres)

Location & Zoning

Account Number	34391
Street Address	1645 BEAR TRL
City	CANA
State	VA
Zip	24317-4487
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RD 823
Jurisdiction	CARROLL VA
Township / Civil Division	FANCY GAP
Census Block Group	3
Census Block	3034
Census Tract	80603

Owner

1645 Bear Trl is owned and occupied by two individuals who acquired it in March 2012.

Source: Carroll County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1645 BEAR TRL, CANA, VA 24317-4487
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
Sep 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 4, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 28, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 9, 2012
Transfer Doc	0939/0419
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL VA
Property Address	1645 BEAR TRL, CANA, VA 24317-4487
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 BEAR TRL, CANA, VA 24317-4487

Mortgage

Document Number	0001268/41
Date	Sep 16, 2025
Book Page	1268/41
Instrument	250003037

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year TN
Max Rate	11.5%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL VA
Property Address	1645 BEAR TRL, CANA, VA 24317-4487
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001189/362
Date	Mar 4, 2022
Book Page	1189/362
Instrument	220000889

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL VA
Property Address	1645 BEAR TRL, CANA, VA 24317-4487
Transaction Type	Mortgage
Record Updated	Jul 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1701361
Date	Apr 28, 2017
Book Page	1061/0878
Instrument	1701361

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	242 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 1645 Bear Trl was $1,364.

Source: Carroll County assessment roll, as of October 8, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,364.00	$278,400 (-) Land $14,700 Building $263,700	$278,400 (-) Land $14,700 Building $263,700
2025	$1,364.00	$278,400 Land $14,700 Building $263,700	$278,400 Land $14,700 Building $263,700
2023	$983.00	$166,700 Land $10,400 Building $156,300	$166,700 Land $10,400 Building $156,300

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

Flood

FEMA maps place 1645 Bear Trl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 28, 2008 · 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	1 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 1645 Bear Trl 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Fastlink Communications Fixed Wireless	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Bear Trl

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