2045 Lipscomb Rd, Moneta, VA 24121 Property Records

Bedford County property record for 2045 Lipscomb Rd, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2005
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Nov 2022)
Tax Bill	$1,140 (2025)
Deeds & Mortgages	Oct 2022 Second Mortgage Nov 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`196 A 11K`

Property Details

APN / Parcel Number

Primary APN	`196 A 11K`
Alternative APNs	`90505858` `430614`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,382 sqft
Basement Area	1,382 sqft
Unfinished Basement	1,382 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Porch	Porch
Porch Area	120 sqft
Deck Area	265 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	2045 LIPSCOMB RD
City	MONETA
State	VA
Zip	24121-6104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 PB 49/63
Legal Subdivision	AARON DUPREE PROP SD
Legal Lot Number	1
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	1
Census Block	1013
Census Tract	30501

Owner

Source: Bedford County records · APN 196 A 11K

Assessment roll updated August 1, 2025 · Last verified April 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 File
Mailing Address	2045 LIPSCOMB RD, MONETA, VA 24121-6104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Nov 15, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Jan 26, 2018	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
May 12, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Prior Sale	Jun 20, 2007 · Amount on Record
Deed Document Number	202212315
Record Updated	Jun 08, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2045 LIPSCOMB RD, MONETA, VA 24121-6104
Transaction Type	Mortgage
Record Updated	Nov 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220011470
Date	Oct 18, 2022
Instrument	220011470

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Jun 01, 2047

Interest

Rate Type	Fixed Rate

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Nov 15, 2022
Property Address	2045 LIPSCOMB RD, MONETA, VA 24121-6104
Document Number	0220012315
Instrument Date	Oct 27, 2022
Instrument	220012315
Transaction Type	Transfer
Record Updated	Dec 07, 2022
Title Company	PRIORITY TITLE AND SETTLEMENT LL, PRIORITY TITLE & SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	2045 LIPSCOMB RD, MONETA, VA 24121-6104

Mortgage

Document Number	0220012316
Date	Nov 15, 2022
Instrument	220012316

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	May 13, 2052

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2045 LIPSCOMB RD, MONETA, VA 24121-6104
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000707
Date	Jan 26, 2018
Instrument	180000707

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jun 01, 2047

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2045 LIPSCOMB RD, MONETA, VA 24121-6104
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170004305
Date	May 12, 2017
Instrument	170004305

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County records · Assessment roll updated August 1, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,140.00	$278,100 (+1%) Land $45,000 Building $233,100
2023	$1,140.00 Additional exemption filed	$139,050	$278,100 Land $45,000 Building $233,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 29, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 48% of the US · above 76% of Virginia
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
ZiTEL Fiber	960 / 960
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 11 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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