1850 Cottontown Rd, Forest, VA 24551 Property Records

Bedford County property record for 1850 Cottontown Rd, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,666 sqft · built 1989
Lot Size	0.77 acres (33,541 sqft)
Owner	Company Name on Record
Last Sale	$420,000 (Jul 2022)
Tax Bill	$809 (2026)
Deeds & Mortgages	Jul 2022 Sale & Line of Credit Dec 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`101C 15 5`

Property Details

APN / Parcel Number

Primary APN	`101C 15 5`
Alternative APNs	`10137200` `532944`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,666 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,541 sqft (0.77 acres)
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1850 COTTONTOWN RD
City	FOREST
State	VA
Zip	24551-3909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5
Legal Lot Number	5
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	3
Census Block	3012
Census Tract	30103

Owner

Source: Bedford County records, as of July 23, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1062 HOOPER WOODS DR, FOREST, VA 24551-2296
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2022	Warranty Deed, Transfer · Line of Credit FREEDOM FIRST FEDERAL CREDIT UNION
Dec 28, 2020	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2022 · Amount on Record
Deed Sale	Jul 11, 2022 · Amount on Record
Deed Document Number	20227815
Prior Transfer Date	Dec 3, 2020
Prior Transfer Doc	0000015930
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 11, 2022
Property Address	1850 COTTONTOWN RD, FOREST, VA 24551-3909
Document Number	0220007815
Instrument Date	Jun 23, 2022
Instrument	220007815
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	1062 HOOPER WOODS DR, FOREST, VA 24551-2296

Mortgage

Document Number	0220007816
Date	Jul 11, 2022
Instrument	220007816

Lender

Name	FREEDOM FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2020: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	BEDFORD VA
Recording Date	Dec 28, 2020
Property Address	1850 COTTONTOWN RD, FOREST, VA 24551-3909
Document Number	0200015930
Instrument Date	Dec 3, 2020
Instrument	200015930
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	374 EMERALD BAY DR, MONETA, VA 24121-6480

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of July 23, 2026

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
2026	$809.00	$197,500 (+1%) Land $55,000 Building $142,500
2023	$809.00 Additional exemption filed	$98,750	$197,500 Land $55,000 Building $142,500

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2019 · rainfall accumulation

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	0.02% 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 149 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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