Bedford County property record for 403 Harbor Trl, Moneta, VA 24121
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 804 sqft · built 1980 |
| Lot Size | 0.82 acres (35,719 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $303 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 232 1 4 5 |
| Primary APN | 232 1 4 5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 804 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 35,719 sqft (0.82 acres) |
| Porch | Porch |
| Porch Area | 192 sqft |
| Deck Area | 208 sqft |
| Heating System | Central |
|---|
| Street Address | 403 HARBOR TRL |
|---|---|
| City | MONETA |
| State | VA |
| Zip | 24121-5109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SNUG HARBOR LT 5 BK 4 |
| Legal Subdivision | SNUG HARBOR |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 30504 |
403 Harbor Trl, a single family home, is owned by two individuals.
Source: Bedford County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1541 CROWDER RD, BEDFORD, VA 24523-4835 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 403 Harbor Trl was $303.
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 | $303.00 | $74,000 Land $28,000 Building $46,000 | |
| 2023 | $303.00 Additional exemption filed | $37,000 | $74,000 Land $28,000 Building $46,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Harbor Trl 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 | 5 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 risk around 403 Harbor Trl is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| ZiTEL Fiber | 960 / 960 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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