2715 Kelso Mill Rd, Bedford, VA 24523 Property Records

Bedford County property record for 2715 Kelso Mill Rd, Bedford, VA 24523

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,756 sqft · built 1991
Lot Size	321 acres (14,012,816 sqft)
Owner	2 Individual Names on Record
Tax Bill	$505 (2026)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`91 A 6`

Property Details

APN / Parcel Number

Primary APN	`91 A 6`
Alternative APNs	`9101100` `163906`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,756 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,012,816 sqft (321 acres)
Porch	Porch
Porch Area	36 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	2715 KELSO MILL RD
City	BEDFORD
State	VA
Zip	24523-3867
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	FANCY FARM
Legal Subdivision	FANCY FARM
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	2
Census Block	2010
Census Tract	30401

Owner

Source: Bedford County records, 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 Record
Mailing Address	2715 KELSO MILL RD, BEDFORD, VA 24523-3867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 3, 2024
Transfer Doc	0000005515
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	May 18, 2026
Property Address	2715 KELSO MILL RD, BEDFORD, VA 24523-3867
Document Number	0000004404
Instrument Date	May 11, 2026
Instrument	20264404
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	2715 KELSO MILL RD, BEDFORD, VA 24523-3867
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004404,
Date	May 18, 2026
Instrument	20264404

Lender

Name	ALCOVA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.25%
Initial Type	Fixed Rate
Max Rate	-1%

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	$505.00 (-56.24%)	$1,237,200 (-11.94%) Land $1,216,300 Building $20,900
2025	$1,154.00 (-3.75%)	$1,405,000 (+860.36%) Land $1,271,700 Building $133,300
2023	$1,199.00 Additional exemption filed	$146,300	$1,237,200 Land $1,216,300 Building $20,900

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 A, within 500 ft
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 40% of the US · above 65% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ZiTEL Fiber	960 / 960
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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