487 Willow Oak Ter, Forest, VA 24551 Property Records

Campbell County property record for 487 Willow Oak Ter, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 1987
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$177,500 (Jul 2019)
Tax Bill	$859 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2006 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`20S-5-54`

Property Details

APN / Parcel Number

Primary APN	`20S-5-54`
Alternative APNs	`020S-05000-054-0` `002048700` `2048700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
Basement Area	360 sqft
Finished Basement	360 sqft
Unfinished Basement	1,115 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	14,810 sqft (0.34 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	2048700
Street Address	487 WILLOW OAK TER
City	FOREST
State	VA
Zip	24551-1577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MOSS CREEK VILLAGE - LOT 54 SEC 5
Legal Subdivision	MOSS CREEK VILLAGE
Legal Lot Number	54
Jurisdiction	CAMPBELL VA
Township / Civil Division	TIMBERLAKE
Census Block Group	2
Census Block	2006
Census Tract	20402

Owner

487 Willow Oak Ter is owned and occupied by two individuals who bought it in July 2019.

Source: Campbell County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	487 WILLOW OAK TER, FOREST, VA 24551-1577
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage BEACON CREDIT UNION
Oct 23, 2006	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NATIONAL AS
Oct 23, 2006	Deed of Trust, Mortgage · Stand-Alone Refinance WACHOVIA BANK NATIONAL AS
Jun 26, 2009	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING & TRUST CO
Nov 22, 2011	Deed of Trust, Mortgage · Stand-Alone Refinance BRANCH BANKING & TRUST CO
Jul 16, 2019	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Feb 5, 2009	Trustee's Deed, Foreclosure · Conventional Mortgage BRANCH BANKING & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2019 · Amount on File
Deed Sale	Jul 16, 2019 · Amount on File
Prior Sale	Jul 15, 2016 · Amount on File
Deed Document Number	20193432
Transfer Doc	900/1238
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Recording Date	Jun 2, 2026
Property Address	487 WILLOW OAK TER, FOREST, VA 24551-1577
Document Number	0000002768
Instrument Date	May 27, 2026
Instrument	20262768
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	487 WILLOW OAK TER, FOREST, VA 24551-1577

Mortgage

Document Number	0000002768,
Date	Jun 2, 2026
Instrument	20262768

Lender

Name	BEACON CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2036

Interest

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

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	487 WILLOW OAK TER, FOREST, VA 24551-1577
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00600/8107
Date	Oct 23, 2006
Book Page	600/8107

Lender

Name	WACHOVIA BANK NATIONAL AS

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Sep 24, 2046

Interest

Rate Type	Adjustable Rate

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	487 WILLOW OAK TER, FOREST, VA 24551-1577
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00600/8108
Date	Oct 23, 2006
Book Page	600/8108

Lender

Name	WACHOVIA BANK NATIONAL AS

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2036

Interest

Rate Type	Fixed Rate

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	487 WILLOW OAK TER, FOREST, VA 24551-1577
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00900/3968
Date	Jun 26, 2009
Book Page	900/3968

Lender

Name	BRANCH BANKING & TRUST CO

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	487 WILLOW OAK TER, FOREST, VA 24551-1577
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	01100/5529
Date	Nov 22, 2011
Book Page	1100/5529

Lender

Name	BRANCH BANKING & TRUST CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2041

Interest

Rate Type	Fixed Rate
Rate	4%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL VA
Recording Date	Jul 16, 2019
Property Address	487 WILLOW OAK TER, FOREST, VA 24551-1577
Document Number	190003432
Instrument Date	Jul 9, 2019
Instrument	190003432
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	ABSOLUTE TITLE & SETTLEMENT

Transaction

Amount	Amount 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	487 WILLOW OAK TER, FOREST, VA 24551-1577

Mortgage

Document Number	190003433
Date	Jul 16, 2019
Instrument	190003433

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0190003434
Date	Jul 16, 2019
Instrument	190003434

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

February 2009: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CAMPBELL VA
Recording Date	Feb 5, 2009
Property Address	487 WILLOW OAK TER, FOREST, VA 24551-1577
Document Number	00900/1238
Book / Page	900 / 1238
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0009001239
Date	Feb 5, 2009
Instrument	900/1239

Lender

Name	BRANCH BANKING & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 487 Willow Oak Ter was $859.

Source: Campbell County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Campbell County
Unified School District	Campbell County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$859.00	$191,100 (-) Land $40,000 Building $151,100	$191,100 Land $40,000 Building $151,100
2025	$859.00	$191,100 Land $40,000 Building $151,100
2023	$859.00	$191,100 Land $40,000 Building $151,100	$191,100 Land $40,000 Building $151,100

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

Flood

FEMA maps place 487 Willow Oak Ter in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1987.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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	2 in force
Nearby Flood Claims	3 (1987–1996)
Most Recent Claim	Jan 1996 · river or lake flooding

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 487 Willow Oak Ter is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond ember reach

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	CAMPBELL COUNTY CENTRAL SYSTEM serves 21,761 people · EPA ID VA5031150
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	10 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Glo Fiber Cable	1,200 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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