2103 Graves Mill Rd, Forest, VA 24551 Property Records

Bedford County property record for 2103 Graves Mill Rd, Forest, VA 24551

Property Summary

Property Type	Commercial
Details	2 ba · 60,000 sqft · built 1997
Lot Size	1.1 acres (47,916 sqft)
Owner	Company Name on Record
Last Sale	$1,100,000 (Dec 2019)
Tax Bill	$4,710 (2023)
Deeds & Mortgages	Jun 2021 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`101 A 6Q`

Property Details

APN / Parcel Number

Primary APN	`101 A 6Q`
Alternative APNs	`90504713` `523514`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	60,000 sqft Total Area
Gross Area	5,349 sqft

Exterior

Year Built	Built 1997
Construction Type	Wood
Lot Area	47,916 sqft (1.1 acres)
Porch	Porch
Porch Area	491 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	523514
Street Address	2103 GRAVES MILL RD
City	FOREST
State	VA
Zip	24551-2675
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LAKE VISTA CORP CENTRE LT 9 PB 41/292
Legal Subdivision	LAKE VISTA
Legal Lot Number	9
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	3
Census Block	3012
Census Tract	30103

Owner

Source: Bedford County records, as of August 14, 2023

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	2103 GRAVES MILL RD, FOREST, VA 24551-2675
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Dec 16, 2019	Warranty Deed, Transfer · Commercial Mortgage BANK OF THE JAMES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2019 · Amount on Record
Deed Sale	Dec 16, 2019 · Amount on Record
Deed Document Number	190011929
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2103 GRAVES MILL RD, FOREST, VA 24551-2675
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210009406
Date	Jun 28, 2021
Instrument	210009406

Lender

Name	PINNACLE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Dec 16, 2019
Property Address	2103 GRAVES MILL RD, FOREST, VA 24551-2675
Document Number	0190011929
Instrument Date	Dec 10, 2019
Instrument	190011929
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ADVANTAGE TITLE AND CLOSING LLC, ADVANCE TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0190011930
Date	Dec 16, 2019
Instrument	190011930

Lender

Name	BANK OF THE JAMES

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

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
2023	$4,710.00 Additional exemption filed	$574,450	$1,148,900 Land $239,600 Building $909,300

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 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	0.01% 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Glo Fiber Cable · Fiber in parts of the area	1,200 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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