2101 Kelso Mill Rd, Bedford, VA 24523 Property Records

Bedford County property record for 2101 Kelso Mill Rd, Bedford, VA 24523

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · 3,015 sqft · built 2006
Lot Size	3.15 acres (137,214 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,510 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`91 A 2G`

Property Details

APN / Parcel Number

Primary APN	`91 A 2G`
Alternative APNs	`90506935` `436212`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,015 sqft Total Area
1st Floor Area	1,736 sqft
Basement Area	1,736 sqft
Unfinished Basement	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Cape Cod
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	137,214 sqft (3.15 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	953 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	2101 KELSO MILL RD
City	BEDFORD
State	VA
Zip	24523-6794
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	TRACT 2A PB 46/112
Legal Tract	2
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	2
Census Block	2011
Census Tract	30401

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2101 KELSO MILL RD, BEDFORD, VA 24523-6794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Oct 17, 2023	Deed of Trust, Mortgage ATLANTIC UNION BANK
Aug 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage MEMBER ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 6, 2008
Transfer Doc	0000006314
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2101 KELSO MILL RD, BEDFORD, VA 24523-6794
Transaction Type	Mortgage
Record Updated	Nov 19, 2025
Title Company	UNKNOWN, PIKE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2101 KELSO MIII RD, BEDFORD, VA 24523

Mortgage

Document Number	0250009285
Date	Oct 27, 2025
Instrument	250009285

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2101 KELSO MILL RD, BEDFORD, VA 24523-6794
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230008660
Date	Oct 17, 2023
Instrument	230008660

Lender

Name	ATLANTIC UNION BANK

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 16, 2033

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2101 KELSO MILL RD, BEDFORD, VA 24523-6794
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	NOT AVAILABLE, RELIANCE TITLE & STLMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170008119
Date	Aug 30, 2017
Instrument	170008119

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

Interest

Rate Type	Fixed Rate

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	$2,510.00	$612,400 (+1%) Land $72,900 Building $539,500
2023	$2,510.00 Additional exemption filed	$306,200	$612,400 Land $72,900 Building $539,500

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

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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2011 · 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	Moderate above 42% of the US · above 69% of Virginia
Wildfire Likelihood	0.07% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ZiTEL Fiber	960 / 960

Cell Coverage

4G LTE only, no 5G reported

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