Bedford County property record for 3104 Spinnaker Pt, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,130 sqft · built 1988 |
| Owner | Individual Name on Record |
| Last Sale | $229,000 (Oct 2023) |
| Tax Bill | $825 (2023) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Apr 2017 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 101E 6 3104 |
| Primary APN | 101E 6 3104 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 1,130 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 525720 |
|---|---|
| Street Address | 3104 SPINNAKER PT |
| City | FOREST |
| State | VA |
| Zip | 24551-1936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPINNAKER POINTUNIT 3104 |
| Legal Subdivision | SPINNAKER |
| Legal Unit | 3104 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 30103 |
Source: Bedford County records, as of December 5, 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 Record |
|---|---|
| Mailing Address | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 18, 2017 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN ADVISORS GROUP |
| Aug 5, 2020 | Deed of Trust, Mortgage · Line of Credit MEMBER ONE FEDERAL CREDIT UNION |
| Aug 8, 2022 | Warranty Deed, Transfer SAGE TITLE GROUP LLC |
| Mar 10, 2020 | Warranty Deed, Transfer PINK TITLE LLC, PIKE TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2023 · Amount on Record |
| Deed Sale | Oct 31, 2023 · Amount on Record |
| Prior Sale | Aug 8, 2022 · Amount on Record |
| Deed Document Number | 230009099 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Oct 31, 2023 |
| Property Address | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
| Document Number | 0230009099 |
| Instrument Date | Oct 6, 2023 |
| Instrument | 230009099 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2023 |
| Title Company | NOT AVAILABLE, RELIANCE TITLE & STLMNT LLC |
| Amount | Amount Recorded |
|---|---|
| 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 | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
| Document Number | 0230009100 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 230009100 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0170003443 |
|---|---|
| Date | Apr 18, 2017 |
| Instrument | 170003443 |
| Name | AMERICAN ADVISORS GROUP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Title Company | DOCUMENT RECORDING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0200008721 |
|---|---|
| Date | Aug 5, 2020 |
| Instrument | 200008721 |
| Name | MEMBER ONE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 16, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Aug 8, 2022 |
| Property Address | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
| Document Number | 0220008881 |
| Instrument Date | Aug 5, 2022 |
| Instrument | 220008881 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Mar 10, 2020 |
| Property Address | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
| Document Number | 0200002400 |
| Instrument Date | Mar 9, 2020 |
| Instrument | 200002400 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | PINK TITLE LLC, PIKE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3104 SPINNAKER PT, FOREST, VA 24551-1936 |
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 | $825.00 Additional exemption filed | $100,700 | $201,400 Land $45,000 Building $156,400 |
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.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2019 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 98% 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.
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 107 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 |
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