4654 Rucker Rd, Moneta, VA 24121 Property Records

Bedford County property record for 4654 Rucker Rd, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,350 sqft · built 1976
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Jun 2019)
Tax Bill	$669 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`210B 1 6`

Property Details

APN / Parcel Number

Primary APN	`210B 1 6`
Alternative APNs	`21011300` `518850`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	4654 RUCKER RD
City	MONETA
State	VA
Zip	24121-4814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BASHAM PK LT 6
Legal Subdivision	BASHAM PK
Legal Lot Number	6
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	1
Census Block	1040
Census Tract	30501

Owner

Source: Bedford County records, as of June 10, 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	4654 RUCKER RD, MONETA, VA 24121-4814
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed, Transfer · Conventional Mortgage BANK OF THE JAMES
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE JAMES
Sep 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
Jun 5, 2017	Deed of Trust, Mortgage · FHA Mortgage UNION MORTGAGE GROUP INC
Jun 21, 2019	Warranty Deed, Transfer · FHA Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2019 · Amount on Record
Deed Sale	Jun 21, 2019 · Amount on Record
Deed Document Number	20195545
Last Transfer Date	Jun 1, 2026
Transfer Doc	0000004924
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Jun 1, 2026
Property Address	4654 RUCKER RD, MONETA, VA 24121-4814
Document Number	0000004924
Instrument Date	Jun 1, 2026
Instrument	20264924
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4654 RUCKER RD, MONETA, VA 24121-4814

Mortgage

Document Number	0000004925,
Date	Jun 1, 2026
Instrument	20264925

Lender

Name	BANK OF THE JAMES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Recording Date	May 22, 2026
Property Address	4654 RUCKER RD, MONETA, VA 24121-4814
Document Number	0000004610
Instrument Date	May 18, 2026
Instrument	20264610
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4654 RUCKER RD, MONETA, VA 24121-4814

Mortgage

Document Number	0000004610,
Date	May 22, 2026
Instrument	20264610

Lender

Name	BANK OF THE JAMES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	4654 RUCKER RD, MONETA, VA 24121-4814
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230008097
Date	Sep 29, 2023
Instrument	230008097

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	4654 RUCKER RD, MONETA, VA 24121-4814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ANCHOE TITLE, ANCHOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170005124
Date	Jun 5, 2017
Instrument	170005124

Lender

Name	UNION MORTGAGE GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jun 21, 2019
Property Address	4654 RUCKER RD, MONETA, VA 24121-4814
Document Number	190005545
Instrument Date	May 16, 2019
Instrument	190005545
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	FIRST CHOICE TITLE & STLMNT

Transaction

Amount	Amount Recorded
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	4654 RUCKER RD, MONETA, VA 24121-4814

Mortgage

Document Number	190005546
Date	Jun 21, 2019
Instrument	190005546

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	190005547
Date	Jun 21, 2019
Instrument	190005547

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jul 1, 2024

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of August 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	$669.00	$163,300 (+1%) Land $53,000 Building $110,300
2023	$669.00 Additional exemption filed	$81,650	$163,300 Land $53,000 Building $110,300

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	Low lower than 80% of the US · lower than 71% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Cable	1,200 / 50
ZiTEL Fiber	960 / 960
Verizon Fixed Wireless	300 / 20

May also be available: SMLW Broadband.

Nearby Properties on Rucker Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures