609 Surfside Dr, Moneta, VA 24121 Property Records

Bedford County property record for 609 Surfside Dr, Moneta, VA 24121

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1967
Owner	Individual Name on Record
Last Sale	$675,000 (Apr 2022)
Tax Bill	$1,694 (2023)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`242D 1 E1`

Property Details

APN / Parcel Number

Primary APN	`242D 1 E1`
Alternative APNs	`24237500` `526307`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,080 sqft

Exterior

Year Built	Built 1967
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Porch	Porch
Porch Area	321 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Account Number	526307
Street Address	609 SURFSIDE DR
City	MONETA
State	VA
Zip	24121-2042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SURFSIDE EST LT E1
Legal Subdivision	SURFSIDE EST
Legal Lot Number	E
Jurisdiction	BEDFORD VA
Township / Civil Division	2
Census Block Group	1
Census Block	1003
Census Tract	30503

Owner

Source: Bedford County records, as of August 14, 2023

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
Mailing Address	190 HALCYON DR, SOUTHERN PINES, NC 28387-6725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Warranty Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION
Apr 7, 2020	Warranty Deed, Transfer HOMESTEAD SETTLEMENT SERVICES, HOMESTEAD SETTLEMENT SERVICE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2022 · Amount on Record
Deed Sale	Apr 15, 2022 · Amount on Record
Prior Sale	Apr 7, 2020 · Amount on Record
Deed Document Number	220004399
Record Updated	Jun 7, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 15, 2022
Property Address	609 SURFSIDE DR, MONETA, VA 24121-2042
Document Number	0220004399
Instrument Date	Mar 22, 2022
Instrument	220004399
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	HOMESTEAD SETTLEMENT SERVICES, HOMESTEAD SETTLEMENT SERVICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	190 HALCYON DR, SOUTHERN PINES, NC 28387-6725

Mortgage

Document Number	0220004400
Date	Apr 15, 2022
Instrument	220004400

Lender

Name	SWBC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.63%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Apr 7, 2020
Property Address	609 SURFSIDE DR, MONETA, VA 24121-2042
Document Number	200003445
Instrument Date	Apr 2, 2020
Instrument	200003445
Transaction Type	Transfer
Record Updated	Sep 2, 2021
Title Company	HOMESTEAD SETTLEMENT SERVICES, HOMESTEAD SETTLEMENT SERVICE

Transaction

Amount	Amount Recorded
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	4077 STONEBRIDGE BLVD, COPLEY, OH 44321-2843

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

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
2023	$1,694.00 Additional exemption filed	$206,650	$413,300 Land $300,000 Building $113,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1992–2005)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2005 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
ZiTEL Fiber	960 / 960
Starlink Satellite	280 / 30

May also be available: SMLW Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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