3816 Cottontown Rd, Forest, VA 24551 Property Records

Bedford County property record for 3816 Cottontown Rd, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Lot Size	1.3 acres (57,064 sqft)
Owner	Trust Name on File
Last Sale	$540,000 (Oct 2022)
Tax Bill	$1,898 (2025)
Deeds & Mortgages	Dec 2021 Refinance Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82 A 50J`

Property Details

APN / Parcel Number

Primary APN	`82 A 50J`
Alternative APNs	`90511948` `494684`

Exterior

Lot Area	57,064 sqft (1.3 acres)

Location & Zoning

Account Number	494684
Street Address	3816 COTTONTOWN RD
City	FOREST
State	VA
Zip	24551-4928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAVIS ESTATES LOT 9 PB 57/94
Legal Subdivision	DAVIS ESTATES
Legal Lot Number	9
Jurisdiction	BEDFORD VA
Township / Civil Division	5
Census Block Group	3
Census Block	3010
Census Tract	30101

Owner

3816 Cottontown Rd is owner-occupied and held in a trust since November 2025.

Source: Bedford County records, as of December 16, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	3816 COTTONTOWN RD, FOREST, VA 24551-4928
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TITAN MUTUAL LENDING INC
Nov 21, 2025	Intrafamily Transfer, Transfer
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Oct 7, 2022 · Amount on File
Deed Sale	Oct 7, 2022 · Amount on File
Prior Sale	Oct 7, 2022 · Amount on File
Deed Document Number	0220011144
Last Transfer Date	Nov 21, 2025
Transfer Doc	0250010110
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	3816 COTTONTOWN RD, FOREST, VA 24551-4928
Transaction Type	Mortgage
Record Updated	Dec 17, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210016936
Date	Dec 1, 2021
Instrument	210016936

Lender

Name	TITAN MUTUAL LENDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD VA
Recording Date	Nov 21, 2025
Property Address	3816 COTTONTOWN RD, FOREST, VA 24551-4928
Document Number	0250010110
Map Reference	MB 57 PG 94
Instrument Date	Nov 20, 2025
Instrument	250010110
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3816 COTTONTOWN RD, FOREST, VA 24551-4928

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Oct 7, 2022
Property Address	3816 COTTONTOWN RD, FOREST, VA 24551-4928
Document Number	0220011144
Instrument Date	Sep 26, 2022
Instrument	220011144
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

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	3816 COTTONTOWN RD, FOREST, VA 24551-4928

Mortgage

Document Number	0220011145
Date	Oct 7, 2022
Instrument	220011145

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3816 Cottontown Rd was $1,898 with an additional exemption.

Source: Bedford County assessment roll, as of January 1, 2025

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
2025	$1,898.00 Additional exemption filed	$463,100 Land $80,000 Building $383,100
2023	$1,898.00 Additional exemption filed	$231,550	$463,100 Land $80,000 Building $383,100

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.

Flood

FEMA maps place 3816 Cottontown Rd in Zone X, an area of minimal flood risk.

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 Policies	9 in force

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 3816 Cottontown Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 61% of Virginia
Wildfire Likelihood	0.04% 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	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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Glo Fiber Cable	1,200 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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