Bedford County property record for 3949 Kelso Mill Rd, Bedford, VA 24523
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,912 sqft · built 1987 |
| Lot Size | 4.72 acres (205,603 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,812 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 92 A 1A |
| Primary APN | 92 A 1A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,912 sqft Living Area |
| 1st Floor Area | 2,072 sqft |
| Basement Area | 1,680 sqft |
| Unfinished Basement | 1,680 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 205,603 sqft (4.72 acres) |
| Porch | Porch |
| Porch Area | 224 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 3949 KELSO MILL RD |
|---|---|
| City | BEDFORD |
| State | VA |
| Zip | 24523-3749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BIG OTTER |
| Legal Subdivision | BIG OTTER |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30401 |
Source: Bedford County records, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3949 KELSO MILL RD, BEDFORD, VA 24523-3749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 18, 2024 |
| Transfer Doc | 0000010335 |
| Record Updated | Sep 20, 2026 |
Source: Bedford County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,812.00 | $442,100 (+1%) Land $82,300 Building $359,800 | |
| 2023 | $1,812.00 Additional exemption filed | $221,050 | $442,100 Land $82,300 Building $359,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 78% of Virginia |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
| ZiTEL Fiber | 960 / 960 |
5G (outdoors only) and 4G LTE
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