376 Willow Oak Ter, Forest, VA 24551 Property Records

Campbell County property record for 376 Willow Oak Ter, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,464 sqft · built 1987
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Aug 2020)
Tax Bill	$1,329 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20S-5-2`

Property Details

APN / Parcel Number

Primary APN	`20S-5-2`
Alternative APNs	`020S-05000-002-0` `001531200` `1531200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,464 sqft Living Area
Basement Area	936 sqft
Finished Basement	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Detached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	1531200
Street Address	376 WILLOW OAK TER
City	FOREST
State	VA
Zip	24551-1574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MOSS CREEK VILLAGE - LOT 2 SEC 5
Legal Subdivision	MOSS CREEK VILLAGE
Legal Lot Number	2
Jurisdiction	CAMPBELL VA
Township / Civil Division	TIMBERLAKE
Census Block Group	2
Census Block	2005
Census Tract	20402

Owner

376 Willow Oak Ter is owned and occupied by two individuals who bought it in August 2020.

Source: Campbell County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	376 WILLOW OAK TER, FOREST, VA 24551-1574
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 25, 2018	Warranty Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on File
Deed Sale	Aug 3, 2020 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Document Number	20204360
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL VA
Recording Date	Aug 3, 2020
Property Address	376 WILLOW OAK TER, FOREST, VA 24551-1574
Document Number	0200004360
Instrument Date	Jul 20, 2020
Instrument	200004360
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	NOT AVAILABLE, MOUNTAIN VIEW STLMNT SVCS

Transaction

Amount	Amount on Record
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	376 WILLOW OAK TER, FOREST, VA 24551-1574

Mortgage

Document Number	0200004361
Date	Aug 3, 2020
Instrument	200004361

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL VA
Recording Date	May 25, 2018
Property Address	376 WILLOW OAK TER, FOREST, VA 24551-1574
Document Number	0180002389
Instrument Date	May 10, 2018
Instrument	180002389
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	NOT AVAILABLE, SEVEN HILLS SETTLEMENT LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	376 WILLOW OAK TER, FOREST, VA 24551-1574

Mortgage

Document Number	0180002390
Date	May 25, 2018
Instrument	180002390

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 376 Willow Oak Ter was $1,329.

Source: Campbell County assessment roll, as of August 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,329.00	$295,500 Land $40,000 Building $255,500	$295,500 Land $40,000 Building $255,500
2023	$1,329.00	$295,500 Land $40,000 Building $255,500	$295,500 Land $40,000 Building $255,500

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

Flood

FEMA maps place 376 Willow Oak Ter in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1987.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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 Policies	2 in force
Nearby Flood Claims	3 (1987–1996)
Most Recent Claim	Jan 1996 · river or lake flooding

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

Wildfire risk around 376 Willow Oak Ter 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAMPBELL COUNTY CENTRAL SYSTEM serves 21,761 people · EPA ID VA5031150
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	10 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Glo Fiber Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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