Bedford County property record for 4323 Kelso Mill Rd, Bedford, VA 24523
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,820 sqft · built 1908 |
| Lot Size | 92.6 acres (4,034,963 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $762,000 (Mar 2022) |
| Tax Bill | $1,257 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 92 2 A1 |
| Primary APN | 92 2 A1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,820 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,034,963 sqft (92.6 acres) |
| Porch | Porch |
| Porch Area | 309 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4323 KELSO MILL RD |
|---|---|
| City | BEDFORD |
| State | VA |
| Zip | 24523-3750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 2ND REVISED PARCEL A1 PB 52/125 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 7 |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30401 |
Source: Bedford County records, as of July 27, 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 | 4323 KELSO MILL RD, BEDFORD, VA 24523-3750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2022 · Amount on Record |
| Deed Sale | Mar 7, 2022 · Amount on Record |
| Prior Sale | May 27, 2010 |
| Deed Document Number | 20222649 |
| Prior Transfer Date | Mar 4, 2022 |
| Prior Transfer Doc | 0000002651 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Mar 7, 2022 |
| Property Address | 4323 KELSO MILL RD, BEDFORD, VA 24523-3750 |
| Document Number | 0220002649 |
| Instrument Date | Mar 4, 2022 |
| Instrument | 220002649 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4323 KELSO MILL RD, BEDFORD, VA 24523-3750 |
| Investor | Possibly a Property Investor |
| Document Number | 0220002650 |
|---|---|
| Date | Mar 7, 2022 |
| Instrument | 220002650 |
| Name | SWBC MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.38% |
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 | $1,257.00 | $336,200 (-) Land $121,300 Building $214,900 | |
| 2025 | $1,257.00 | $336,200 (+119.31%) Land $121,300 Building $214,900 | |
| 2023 | $1,257.00 Additional exemption filed | $153,300 | $336,200 Land $121,300 Building $214,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2011 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 76% of Virginia |
|---|---|
| Wildfire Likelihood | 0.09% 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, as of December 31, 2025
4G LTE only, no 5G reported
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