214 Saunders Point Rd, Huddleston, VA 24104 Property Records

Bedford County property record for 214 Saunders Point Rd, Huddleston, VA 24104

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,423 sqft · built 1965
Lot Size	2.34 acres (101,930 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,479 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`258C 7 14`

Property Details

APN / Parcel Number

Primary APN	`258C 7 14`
Alternative APNs	`25820400` `511246`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,423 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Block
Construction Type	Concrete Block
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	101,930 sqft (2.34 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	214 SAUNDERS POINT RD
City	HUDDLESTON
State	VA
Zip	24104-3085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAUNDERS PT LT 14 SC 2
Legal Subdivision	SAUNDERS PT
Legal Lot Number	14
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	3
Census Block	3015
Census Tract	30503

Owner

Source: Bedford County assessment roll, 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	2 Individual Names on File
Mailing Address	214 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3085
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE JAMES
Sep 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE JAMES
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE JAMES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 12, 2009
Transfer Doc	0000012655
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	214 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3085
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000655
Date	Jan 30, 2023
Instrument	230000655

Lender

Name	BANK OF THE JAMES

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	214 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3085
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220010009
Date	Sep 6, 2022
Instrument	220010009

Lender

Name	BANK OF THE JAMES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	214 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3085
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006738
Date	May 4, 2021
Instrument	210006738

Lender

Name	BANK OF THE JAMES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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	$4,479.00	$1,092,500 (+1%) Land $500,000 Building $592,500
2023	$4,479.00 Additional exemption filed	$546,250	$1,092,500 Land $500,000 Building $592,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (2003–2020)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Nov 2020 · river or lake flooding

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 95% of the US · lower than 97.5% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: SML Wireless, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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