Bedford County property record for 2092 Cottontown Rd, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,742 sqft · built 1998 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,134 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 101 11 3 |
| Primary APN | 101 11 3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,742 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 1,080 sqft |
| Unfinished Basement | 1,080 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 36,155 sqft (0.83 acres) |
| Garage Area | 567 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 2092 COTTONTOWN RD |
|---|---|
| City | FOREST |
| State | VA |
| Zip | 24551-4091 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST BROOK REVISED LT 1- LT 3 |
| Legal Subdivision | FOREST |
| Legal Lot Number | 1,3 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 30103 |
2092 Cottontown Rd is owned and occupied by two individuals.
Source: Bedford County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2092 COTTONTOWN RD, FOREST, VA 24551-4091 |
| 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.
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Aug 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 2092 COTTONTOWN RD, FOREST, VA 24551-4091 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210002882 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 210002882 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.63% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 2092 COTTONTOWN RD, FOREST, VA 24551-4091 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0180007444 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 180007444 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 2092 Cottontown Rd was $1,134.
Source: Bedford County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,134.00 | $276,600 Land $53,000 Building $223,600 | |
| 2023 | $1,134.00 Additional exemption filed | $138,300 | $276,600 Land $53,000 Building $223,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2092 Cottontown Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 risk around 2092 Cottontown Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 107 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 |
4G LTE only, no 5G reported
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