Bedford County property record for 304 Swan Ln, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,312 sqft · built 1999 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on File |
| Last Sale | $402,000 (Nov 2021) |
| Tax Bill | $1,553 (2023) |
| Deeds & Mortgages | Sep 2021 Line of Credit Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 100D 3 4 |
| Primary APN | 100D 3 4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,312 sqft Living Area |
| Gross Area | 3,468 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 25,265 sqft (0.58 acres) |
| Porch | Porch |
| Porch Area | 125 sqft |
| Deck Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 484100 |
|---|---|
| Street Address | 304 SWAN LN |
| City | FOREST |
| State | VA |
| Zip | 24551-2660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST LAKES LT 4 SEC 5 |
| Legal Subdivision | FOREST |
| Legal Lot Number | 4 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 4 |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 30103 |
304 Swan Ln is owned and occupied by an individual who bought it in November 2021.
Source: Bedford County records, as of August 14, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 SWAN LN, FOREST, VA 24551-2660 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Nov 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on File |
| Deed Sale | Nov 24, 2021 · Amount on File |
| Prior Sale | Oct 2, 2015 · Amount on File |
| Deed Document Number | 210016732 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 304 SWAN LN, FOREST, VA 24551-2660 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210013770 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 210013770 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Nov 24, 2021 |
| Property Address | 304 SWAN LN, FOREST, VA 24551-2660 |
| Document Number | 210016732 |
| Instrument Date | Nov 16, 2021 |
| Instrument | 210016732 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 304 SWAN LN, FOREST, VA 24551-2660 |
| Document Number | 210016733 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 210016733 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
Source: Bedford County assessment roll, as of January 1, 2023
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $1,553.00 Additional exemption filed | $189,450 | $378,900 Land $75,000 Building $303,900 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 304 Swan Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| Nearby Flood Policies | 4 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 risk around 304 Swan Ln is low, with a 0.02% annual chance of 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 | 0.02% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEDFORD REGIONAL WATER AUTHORITY (BRWA) serves 38,794 people · EPA ID VA5019052 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Copper | 1.52 mg/L (2017) action level 1.3 mg/L |
| Water Quality | Haloacetic acids resolved · Apr 2019 |
|---|---|
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 186 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 | 2,000 / 2,000 |
| Glo Fiber Cable | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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