403 Saunders Point Rd, Huddleston, VA 24104 Property Records

Bedford County property record for 403 Saunders Point Rd, Huddleston, VA 24104 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,079 sqft · built 2002
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,108 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`258C 12 2`

Property Details

APN / Parcel Number

Primary APN	`258C 12 2`
Alternative APNs	`25817601` `388575`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,079 sqft Living Area
1st Floor Area	2,079 sqft
Basement Area	2,079 sqft
Unfinished Basement	2,079 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,579 sqft (1.23 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	206 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	403 SAUNDERS POINT RD
City	HUDDLESTON
State	VA
Zip	24104-3083
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 2
Legal Subdivision	EVA ARTHUR MYERS
Legal Lot Number	2
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	3
Census Block	3015
Census Tract	30503

Owner

Source: Bedford County records · APN 258C 12 2

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	403 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3083
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 02, 2021	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Feb 13, 2019	Deed of Trust, Mortgage · Commercial Mortgage UNION BANK & TRUST
Jan 06, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Feb 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNION BANK & TRUST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	403 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3083
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003065
Date	Mar 02, 2021
Instrument	210003065

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	403 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3083
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001198
Date	Feb 13, 2019
Instrument	190001198

Lender

Name	UNION BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	403 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3083
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000138
Date	Jan 06, 2020
Instrument	200000138

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	403 SAUNDERS POINT RD, HUDDLESTON, VA 24104-3083
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190001198
Date	Feb 13, 2019
Instrument	190001198

Lender

Name	UNION BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bedford County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,108.00	$1,002,100 (+1%) Land $450,000 Building $552,100
2023	$4,108.00 Additional exemption filed	$501,050	$1,002,100 Land $450,000 Building $552,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bedford County (51019C), updated September 29, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510190305033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	6 (2003–2020)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Nov 2020, river or lake flooding

Wildfire

Wildfire Risk	Low above 5% of the US · above 3% of Virginia
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 94 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

May also be available at this address: Verizon, SML Wireless. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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