Bedford County property record for 3223 Spinnaker Pt, Forest, VA 24551
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 915 sqft · built 1989 |
| Lot Size | 0.13 acres (1,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Jun 2026) |
| Tax Bill | $767 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Dec 2025 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 101E 8 3224 |
| Primary APN | 101E 8 3224 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| 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 | 3223 SPINNAKER PT |
|---|---|
| City | FOREST |
| State | VA |
| Zip | 24551-1944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPINNAKER PT UNIT 3224 |
| Legal Subdivision | SPINNAKER |
| Legal Unit | 3224 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 4 |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 30103 |
3223 Spinnaker Pt is owned by an individual who bought it in June 2026.
Source: Bedford County records, as of June 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3224 SPINNAKER PT, FOREST, VA 24551-1952 |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
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 |
|---|---|
| Jun 11, 2026 | Bargain and Sale Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Dec 17, 2025 | Commissioner's Deed, Foreclosure Foreclosure Auction |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2026 · Amount on File |
| Deed Sale | Jun 11, 2026 · Amount on File |
| Prior Sale | Dec 17, 2025 · Amount on File |
| Deed Document Number | 20265334 |
| Record Updated | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Jun 11, 2026 |
| Property Address | 3223 SPINNAKER PT, FOREST, VA 24551-1944 |
| Document Number | 0000005334 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20265334 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20,200.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000005335, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 20265335 |
| Name | ATLANTIC COAST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Dec 17, 2025 |
| Property Address | 3223 SPINNAKER PT, FOREST, VA 24551-1944 |
| Document Number | 0250010880 |
| Map Reference | MB 688 PG 414 |
| Instrument Date | Nov 20, 2025 |
| Instrument | 250010880 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 7, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 876 BRANDYWINE DR, FOREST, VA 24551 |
The 2025 property tax bill for 3223 Spinnaker Pt was $767.
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 | $767.00 | $187,100 Land $40,000 Building $147,100 | |
| 2023 | $767.00 Additional exemption filed | $93,550 | $187,100 Land $40,000 Building $147,100 |
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 3223 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 3223 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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