423 Otterview Rd, Forest, VA 24551 Property Records

Bedford County property record for 423 Otterview Rd, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,292 sqft · built 1980
Lot Size	5.07 acres (221,285 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Sep 2025)
Tax Bill	$1,661 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Dec 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`116 7 7`

Property Details

APN / Parcel Number

Primary APN	`116 7 7`
Alternative APNs	`11617400` `378129`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,292 sqft Living Area
Gross Area	3,876 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	221,285 sqft (5.07 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	288 sqft
Deck Area	263 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	378129
Street Address	423 OTTERVIEW RD
City	FOREST
State	VA
Zip	24551-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOW WOOD LT 7 SC 2
Legal Subdivision	MEADOW WOOD
Legal Lot Number	7
Jurisdiction	BEDFORD VA
Township / Civil Division	4
Census Block Group	3
Census Block	3014
Census Tract	30104

Owner

Source: Bedford County records, as of September 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	423 OTTERVIEW RD, FOREST, VA 24551-2907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Dec 28, 2020	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Oct 25, 2018	Deed of Trust, Mortgage · Commercial Mortgage UNION BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2025 · Amount on Record
Deed Sale	Sep 2, 2025 · Amount on Record
Deed Document Number	250007423
Record Updated	Jun 8, 2026

September 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 2, 2025
Property Address	423 OTTERVIEW RD, FOREST, VA 24551-2907
Document Number	0250007423
Map Reference	MB 21 PG 108-110
Instrument Date	Aug 26, 2025
Instrument	250007423
Transaction Type	Transfer
Record Updated	Oct 1, 2025
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	423 OTTERVIEW RD, FOREST, VA 24551-2907

Mortgage

Document Number	0250007424
Date	Sep 2, 2025
Instrument	250007424

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	423 OTTERVIEW RD, FOREST, VA 24551-2907
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200015923
Date	Dec 28, 2020
Instrument	200015923

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	423 OTTERVIEW RD, FOREST, VA 24551-2907
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180009738
Date	Oct 25, 2018
Instrument	180009738

Lender

Name	UNION BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2025

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
2025	$1,661.00 Additional exemption filed	$405,300 (+1%) Land $107,600 Building $297,700
2023	$1,661.00 Additional exemption filed	$202,650	$405,300 Land $107,600 Building $297,700

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	1 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	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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