3740 Peaks Rd, Bedford, VA 24523 Property Records

Bedford County property record for 3740 Peaks Rd, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,916 sqft · built 2010
Lot Size	5.91 acres (257,440 sqft)
Owner	Individual Name on File
Tax Bill	$2,171 (2026)
Deeds & Mortgages	Sep 2019 Second Mortgage Dec 2017 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`92 A 52`

Property Details

APN / Parcel Number

Primary APN	`92 A 52`
Alternative APNs	`9205900` `417068`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,916 sqft Living Area
Basement Area	624 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Hip
Roof Material	Asphalt
Lot Area	257,440 sqft (5.91 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3740 PEAKS RD
City	BEDFORD
State	VA
Zip	24523-3689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FANCY FARM
Legal Subdivision	FANCY FARM
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	2
Census Block	2001
Census Tract	30401

Owner

Source: Bedford County assessment roll, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3740 PEAKS RD, BEDFORD, VA 24523-3689
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBER ONE FEDERAL CREDIT UNION
Dec 19, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBER ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 22, 2009
Deed Sale	May 22, 2009
Deed Document Number	20096151
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	3740 PEAKS RD, BEDFORD, VA 24523-3689
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DOCUMENT RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190008469
Date	Sep 13, 2019
Instrument	190008469

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Aug 18, 2039

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	3740 PEAKS RD, BEDFORD, VA 24523-3689
Transaction Type	Mortgage
Record Updated	Dec 19, 2018
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170011931
Date	Dec 19, 2017
Instrument	170011931

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Oct 18, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of July 23, 2026

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
2026	$2,171.00	$529,700 (+1%) Land $94,300 Building $435,400
2023	$2,171.00 Additional exemption filed	$264,850	$529,700 Land $94,300 Building $435,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2011 · 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Cable	1,200 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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