304 Saunders Point Rd, Huddleston, VA 24104 Property Records

Bedford County property record for 304 Saunders Point Rd, Huddleston, VA 24104

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1969
Owner	Individual Name on File
Last Sale	$460,000 (Jun 2018)
Tax Bill	$2,294 (2023)
Deeds & Mortgages	May 2020 Mortgage Jun 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`258C 7 9`

Property Details

APN / Parcel Number

Primary APN	`258C 7 9`
Alternative APNs	`25819900` `509319`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,920 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Porch	Porch
Porch Area	576 sqft
Deck Area	228 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	509319
Street Address	304 SAUNDERS POINT RD
City	HUDDLESTON
State	VA
Zip	24104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAUNDERS PT LT 9 SC 2
Legal Subdivision	SAUNDERS PT
Legal Lot Number	9
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	3
Census Block	3015
Census Tract	30503

Owner

Source: Bedford County records · APN 258C 7 9

Assessment roll updated January 1, 2023 · Last verified August 2023

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

Owner of Record	Individual Name on File
Mailing Address	400 DIMOCK WAY, WAKE FOREST, NC 27587-4494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Jun 06, 2022	Intrafamily Transfer, Transfer · Stand-Alone Refinance NORTHPOINTE BANK
Jun 15, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2018 · Amount on Record
Deed Sale	Jun 15, 2018 · Amount on Record
Prior Sale	Jun 15, 2018 · Amount on Record
Deed Document Number	0180005427
Last Transfer Date	Jun 06, 2022
Transfer Doc	0220006445
Record Updated	Jun 07, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	304 SAUNDERS POINT RD, HUDDLESTON, VA 24104
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200005289
Date	May 27, 2020
Instrument	200005289

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

Interest

Rate Type	Fixed Rate
Rate	3.38%

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Jun 06, 2022
Property Address	304 SAUNDERS POINT RD, HUDDLESTON, VA 24104
Document Number	0220006445
Instrument Date	May 31, 2022
Instrument	220006445
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 SAUNDERS POINT RD, HUDDLESTON, VA 24104

Mortgage

Document Number	0220006446
Date	Jun 06, 2022
Instrument	220006446

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jun 15, 2018
Property Address	304 SAUNDERS POINT RD, HUDDLESTON, VA 24104
Document Number	0180005427
Instrument Date	Jun 07, 2018
Instrument	180005427
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	909 BROMLEY WAY, RALEIGH, NC 27615-1499
Investor	Possibly a Property Investor

Mortgage

Document Number	0180005428
Date	Jun 15, 2018
Instrument	180005428

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County records · Assessment roll updated January 1, 2023 · Last verified August 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,294.00 Additional exemption filed	$279,850	$559,700 Land $400,000 Building $159,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 29, 2010 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: SML Wireless, Verizon.

Based on FCC filings for 94 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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