415 Mt Haven Dr, Forest, VA 24551 Property Records

Bedford County property record for 415 Mt Haven Dr, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,499 sqft · built 1996
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,280 (2026)
Deeds & Mortgages	Oct 2020 Refinance Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`116 15 7`

Property Details

APN / Parcel Number

Primary APN	`116 15 7`
Alternative APNs	`11600005` `352288`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	3,499 sqft Living Area
1st Floor Area	1,280 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	78,408 sqft (1.8 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	360 sqft
Deck Area	616 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	415 MT HAVEN DR
City	FOREST
State	VA
Zip	24551-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MT HAVEN LT 7 SEC 5
Legal Subdivision	MT HAVEN
Legal Lot Number	7
Jurisdiction	BEDFORD VA
Township / Civil Division	3
Census Block Group	2
Census Block	2006
Census Tract	30203

Owner

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	415 MT HAVEN DR, FOREST, VA 24551-2109
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Sep 18, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	415 MT HAVEN DR, FOREST, VA 24551-2109
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200011768
Date	Oct 5, 2020
Instrument	200011768

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	415 MT HAVEN DR, FOREST, VA 24551-2109
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190008586
Date	Sep 18, 2019
Instrument	190008586

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of July 23, 2026

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
2026	$2,280.00	$556,100 (+1%) Land $85,000 Building $471,100
2023	$2,280.00 Additional exemption filed	$278,050	$556,100 Land $85,000 Building $471,100

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

Flood

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

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	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.

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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless	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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