251 Independence Cir, Forest, VA 24551 Property Records

Campbell County property record for 251 Independence Cir, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,526 sqft · built 1965
Lot Size	0.48 acres (20,915 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Oct 2025)
Tax Bill	$989 (2026)
Deeds & Mortgages	Jun 2022 Refinance Sep 2011 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20A-2-A-16`

Property Details

APN / Parcel Number

Primary APN	`20A-2-A-16`
Alternative APNs	`020A-0200A-016-0` `001643300` `1643300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,526 sqft Living Area
Basement Area	459 sqft
Finished Basement	459 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Lot Area	20,915 sqft (0.48 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	1643300
Street Address	251 INDEPENDENCE CIR
City	FOREST
State	VA
Zip	24551-3947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	JEFFERSON MANOR LOT 16 - BK A SEC 2
Legal Subdivision	JEFFERSON MANOR SD
Legal Lot Number	16
Jurisdiction	CAMPBELL VA
Township / Civil Division	TIMBERLAKE
Census Block Group	1
Census Block	1003
Census Tract	20402

Owner

Source: Campbell County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	251 INDEPENDENCE CIR, FOREST, VA 24551-3947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Sep 28, 2011	Deed of Trust, Mortgage · Conventional Mortgage CAROLINA BANK
Oct 31, 2005	Deed of Trust, Mortgage · FHA Mortgage SUNTRUST MORTGAGE INC
Oct 17, 2025	Deed, Transfer · VA Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Mar 26, 2020	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Prior Sale	Mar 26, 2020 · Amount on Record
Deed Document Number	20255466
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	251 INDEPENDENCE CIR, FOREST, VA 24551-3947
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220003970
Date	Jun 14, 2022
Instrument	220003970

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	251 INDEPENDENCE CIR, FOREST, VA 24551-3947
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01100/4545
Date	Sep 28, 2011
Book Page	1100/4545

Lender

Name	CAROLINA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2026

Interest

Rate Type	Fixed Rate
Rate	3.5%

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	251 INDEPENDENCE CIR, FOREST, VA 24551-3947
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00500/8822
Date	Oct 31, 2005
Book Page	500/8822

Lender

Name	SUNTRUST MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMPBELL VA
Recording Date	Oct 17, 2025
Property Address	251 INDEPENDENCE CIR, FOREST, VA 24551-3947
Document Number	0250005466
Map Reference	MB 17 PG 7
Instrument Date	Oct 2, 2025
Instrument	250005466
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 INDEPENDENCE CIR, FOREST, VA 24551-3947

Mortgage

Document Number	0250005467
Date	Oct 17, 2025
Instrument	250005467

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

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

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL VA
Recording Date	Mar 26, 2020
Property Address	251 INDEPENDENCE CIR, FOREST, VA 24551-3947
Document Number	0200001598
Instrument Date	Mar 24, 2020
Instrument	200001598
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	LA COMMONWEALTH TITLE, COMMONWEALTH TITLE

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
Address	251 INDEPENDENCE CIR, FOREST, VA 24551-3947

Mortgage

Document Number	0200001599
Date	Mar 26, 2020
Instrument	200001599

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Campbell County
Unified School District	Campbell County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$989.00	$219,800 (-) Land $45,000 Building $174,800	$219,800 (-) Land $45,000 Building $174,800
2025	$989.00	$219,800 (-) Land $45,000 Building $174,800
2023	$989.00	$219,800 Land $45,000 Building $174,800	$219,800 Land $45,000 Building $174,800

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 December 16, 2021 · 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	2 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2018 · 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	None beyond ember reach

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	CAMPBELL COUNTY CENTRAL SYSTEM serves 21,761 people · EPA ID VA5031150
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	10 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 223 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 · Cable in parts of the area	2,000 / 2,000
Glo Fiber Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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