2452 Horseshoe Bend Rd, Moneta, VA 24121 Property Records

Bedford County property record for 2452 Horseshoe Bend Rd, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1982
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Apr 2019)
Tax Bill	$891 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`194 6 A`

Property Details

APN / Parcel Number

Primary APN	`194 6 A`
Alternative APNs	`19410100` `516903`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	2452 HORSESHOE BEND RD
City	MONETA
State	VA
Zip	24121-5675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOW ACRES LT 7A
Legal Subdivision	MEADOW ACRES
Legal Lot Number	7A
Jurisdiction	BEDFORD VA
Township / Civil Division	1
Census Block Group	1
Census Block	1055
Census Tract	30501

Owner

Source: Bedford County records, as of July 13, 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	2452 HORSESHOE BEND RD, MONETA, VA 24121-5675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · FHA Mortgage TRUIST BANK
Mar 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jun 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Apr 17, 2019	Warranty Deed, Transfer · FHA Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on Record
Deed Sale	Apr 17, 2019 · Amount on Record
Deed Document Number	20193277
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2452 HORSESHOE BEND RD, MONETA, VA 24121-5675
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2452 HORSESHOE BEND RD, MONETA, VA 24121-5675

Mortgage

Document Number	0250009171
Date	Oct 23, 2025
Instrument	250009171

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2065

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2452 HORSESHOE BEND RD, MONETA, VA 24121-5675
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002872
Date	Mar 11, 2022
Instrument	220002872

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	326 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	2452 HORSESHOE BEND RD, MONETA, VA 24121-5675
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230004838
Date	Jun 16, 2023
Instrument	230004838

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 17, 2019
Property Address	2452 HORSESHOE BEND RD, MONETA, VA 24121-5675
Document Number	0190003277
Instrument Date	Apr 11, 2019
Instrument	190003277
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	0190003278
Date	Apr 17, 2019
Instrument	190003278

Lender

Name	SUNTRUST BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of August 1, 2025

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
2025	$891.00	$217,500 (+1%) Land $45,000 Building $172,500
2023	$891.00 Additional exemption filed	$108,750	$217,500 Land $45,000 Building $172,500

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 Policies	1 in force

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 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: ZiTEL.

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