Bedford County property record for 3214 Spinnaker Pt, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 915 sqft · built 1989 |
| Lot Size | 0.13 acres (1,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $82,200 (Apr 2018) |
| Tax Bill | $739 (2025) |
| Deeds & Mortgages | Jul 2023 Second Mortgage Apr 2023 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 101E 8 3214 |
| Primary APN | 101E 8 3214 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 915 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,492 sqft (0.13 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 3214 SPINNAKER PT |
|---|---|
| City | FOREST |
| State | VA |
| Zip | 24551-1952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPINNAKER PT UNIT 3214 |
| Legal Subdivision | SPINNAKER |
| Legal Unit | 3214 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 30103 |
3214 Spinnaker Pt is owned and occupied by an individual who bought it in April 2018.
Source: Bedford County records, as of April 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3214 SPINNAKER PT, FOREST, VA 24551-1952 |
| 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 |
|---|---|
| Jul 28, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRAL VIRGINIA FEDERAL CREDIT UNION |
| Apr 19, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL VIRGINIA FCU |
| Apr 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL VIRGINIA FEDERAL CREDIT UNI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2018 · Amount on File |
| Deed Sale | Apr 30, 2018 · Amount on File |
| Prior Sale | Oct 21, 2011 |
| Deed Document Number | 20183852 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 3214 SPINNAKER PT, FOREST, VA 24551-1952 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230006192 |
|---|---|
| Date | Jul 28, 2023 |
| Instrument | 230006192 |
| Name | CENTRAL VIRGINIA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 24, 2038 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 3214 SPINNAKER PT, FOREST, VA 24551-1952 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230003075 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | 230003075 |
| Name | CENTRAL VIRGINIA FCU |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Apr 30, 2018 |
| Property Address | 3214 SPINNAKER PT, FOREST, VA 24551-1952 |
| Document Number | 0180003852 |
| Instrument Date | Mar 28, 2018 |
| Instrument | 180003852 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount 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 | 3214 SPINNAKER PT, FOREST, VA 24551-1952 |
| Document Number | 0180003853 |
|---|---|
| Date | Apr 30, 2018 |
| Instrument | 180003853 |
| Name | CENTRAL VIRGINIA FEDERAL CREDIT UNI |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 3214 Spinnaker Pt was $739.
Source: Bedford County assessment roll, as of August 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $739.00 | $180,400 Land $40,000 Building $140,400 | |
| 2023 | $739.00 Additional exemption filed | $90,200 | $180,400 Land $40,000 Building $140,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3214 Spinnaker Pt in Zone X, an area of minimal flood risk, within 100 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 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.
Wildfire risk around 3214 Spinnaker Pt is low, with a 0.01% annual chance of wildfire.
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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