3496 Sharps Mountain Rd, Bedford, VA 24523 Property Records

Bedford County property record for 3496 Sharps Mountain Rd, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$215,130 (Jul 2017)
Tax Bill	$1,211 (2023)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2023 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`91 A 4C`

Property Details

APN / Parcel Number

Primary APN	`91 A 4C`
Alternative APNs	`9100600` `500237`

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Account Number	500237
Street Address	3496 SHARPS MOUNTAIN RD
City	BEDFORD
State	VA
Zip	24523-3866
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEAKS OF OTTER
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	1
Census Block	1005
Census Tract	30401

Owner

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	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOME MORTGAGE CORPORATION
Oct 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBER ONE FEDERAL CREDIT UNION
Oct 15, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBER ONE FEDERAL CREDIT UNION
May 14, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Jul 12, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Feb 1, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Feb 1, 2017 · Amount on Record
Deed Document Number	170006277
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	Aug 19, 2026
Property Address	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866
Document Number	0000007819
Instrument Date	Aug 14, 2026
Instrument	20267819
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866

Mortgage

Document Number	0000007819,
Date	Aug 19, 2026
Instrument	20267819

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.25%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230008563
Date	Oct 13, 2023
Instrument	230008563

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2038

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180009402
Date	Oct 15, 2018
Instrument	180009402

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 15, 2033

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210007265
Date	May 14, 2021
Instrument	210007265

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jul 12, 2017
Property Address	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866
Document Number	0170006277
Instrument Date	Jul 5, 2017
Instrument	170006277
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 15, 2023
Title Company	NOT AVAILABLE, CLOSURE TITLE & SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866

Mortgage

Document Number	0170006278
Date	Jul 12, 2017
Instrument	170006278

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Feb 1, 2017
Property Address	3496 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866
Document Number	0170001014
Instrument Date	Jan 31, 2017
Instrument	170001014
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	Virginia
County	Bedford County
Unified School District	Bedford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,211.00 Additional exemption filed	$147,800	$295,600 Land $87,000 Building $208,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
ZiTEL Fiber	960 / 960

Cell Coverage

5G (outdoors only) and 4G LTE

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