4064 Cottontown Rd, Forest, VA 24551 Property Records

Bedford County property record for 4064 Cottontown Rd, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$519,900 (Nov 2020)
Tax Bill	$2,345 (2023)
Deeds & Mortgages	Feb 2017 Line of Credit Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82 A 50A`

Property Details

APN / Parcel Number

Primary APN	`82 A 50A`
Alternative APNs	`90511940` `531997`

Exterior

Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Account Number	531997
Street Address	4064 COTTONTOWN RD
City	FOREST
State	VA
Zip	24551-3646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AMENDED LOT 1 PB 60/177
Legal Subdivision	AMENDED
Legal Lot Number	1
Jurisdiction	BEDFORD VA
Township / Civil Division	5
Census Block Group	3
Census Block	3010
Census Tract	30101

Owner

4064 Cottontown Rd is owned and occupied by an individual who bought it in November 2020.

Source: Bedford County records, as of August 14, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4064 COTTONTOWN RD, FOREST, VA 24551-3646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2017	Deed of Trust, Mortgage · Line of Credit SELECT BANK
Nov 18, 2020	Warranty Deed, Transfer CENTURY TITLE COMPANY, CENTURY TITLE SERVICES INC
Aug 10, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2020 · Amount on File
Deed Sale	Nov 18, 2020 · Amount on File
Prior Sale	Aug 10, 2018 · Amount on File
Deed Document Number	200014012
Record Updated	Jun 7, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	4064 COTTONTOWN RD, FOREST, VA 24551-3646
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	RELIAN TITLE, RELIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170001802
Date	Feb 27, 2017
Instrument	170001802

Lender

Name	SELECT BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Nov 18, 2020
Property Address	4064 COTTONTOWN RD, FOREST, VA 24551-3646
Document Number	0200014012
Instrument Date	Nov 6, 2020
Instrument	200014012
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	CENTURY TITLE COMPANY, CENTURY TITLE SERVICES INC

Transaction

Amount	Amount 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	4064 COTTONTOWN RD, FOREST, VA 24551-3646

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Aug 10, 2018
Property Address	4064 COTTONTOWN RD, FOREST, VA 24551-3646
Document Number	0180007313
Instrument Date	Jul 20, 2018
Instrument	180007313
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 15, 2023
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	4064 COTTONTOWN RD, FOREST, VA 24551-3646

Mortgage

Document Number	0180007314
Date	Aug 10, 2018
Instrument	180007314

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

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
2023	$2,345.00 Additional exemption filed	$286,000	$572,000 Land $90,000 Building $482,000

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

Flood

FEMA maps place 4064 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 4064 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 66% of the US · above 56% 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 50 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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