Bedford County property record for 315 Spring Lake Rd, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,646 sqft · built 1995 |
| Lot Size | 1.3 acres (57,064 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $424,900 (Apr 2017) |
| Tax Bill | $2,251 (2023) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Nov 2022 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 100B 2 11 |
| Primary APN | 100B 2 11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,646 sqft Living Area |
| Gross Area | 4,738 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 57,064 sqft (1.3 acres) |
| Garage Area | 627 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 66 sqft |
| Deck Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 497798 |
|---|---|
| Street Address | 315 SPRING LAKE RD |
| City | FOREST |
| State | VA |
| Zip | 24551-1971 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST LAKESLT 11 SEC VII |
| Legal Subdivision | FOREST |
| Legal Lot Number | 11 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 4 |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 30103 |
Source: Bedford County records, as of August 14, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 315 SPRING LAKE RD, FOREST, VA 24551-1971 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Nov 10, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF THE JAMES |
| Feb 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATION ONE MORTGAGE CORPORATION |
| Sep 27, 2018 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Oct 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NATION ONE MORTGAGE CORP |
| Apr 18, 2017 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2017 · Amount on Record |
| Deed Sale | Apr 18, 2017 · Amount on Record |
| Prior Sale | Jul 10, 2007 |
| Deed Document Number | 170003454 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 315 SPRING LAKE RD, FOREST, VA 24551-1971 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 315 SPRING LAKE RD, FOREST, VA 24551-1971 |
| Document Number | 0260001517 |
|---|---|
| Date | Feb 24, 2026 |
| Instrument | 260001517 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 315 SPRING LAKE RD, FOREST, VA 24551-1971 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220012194 |
|---|---|
| Date | Nov 10, 2022 |
| Instrument | 220012194 |
| Name | BANK OF THE JAMES |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 315 SPRING LAKE RD, FOREST, VA 24551-1971 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210002507 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 210002507 |
| Name | NATION ONE MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 315 SPRING LAKE RD, FOREST, VA 24551-1971 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0180008826 |
|---|---|
| Date | Sep 27, 2018 |
| Instrument | 180008826 |
| Name | WELLS FARGO BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 21, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 315 SPRING LAKE RD, FOREST, VA 24551-1971 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0190009714 |
|---|---|
| Date | Oct 17, 2019 |
| Instrument | 190009714 |
| Name | NATION ONE MORTGAGE CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Apr 18, 2017 |
| Property Address | 315 SPRING LAKE RD, FOREST, VA 24551-1971 |
| Document Number | 170003454 |
| Instrument Date | Apr 6, 2017 |
| Instrument | 170003454 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| 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 |
|---|
| Document Number | 170003455 |
|---|---|
| Date | Apr 18, 2017 |
| Instrument | 170003455 |
| Name | AMERICAN NEIGHBORHOOD MORTGAGE ACCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,251.00 Additional exemption filed | $274,550 | $549,100 Land $95,000 Building $454,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 34 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 · Fiber in parts of the area | 1,200 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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