643 Willow Oak Ter, Forest, VA 24551 Property Records

Campbell County property record for 643 Willow Oak Ter, Forest, VA 24551

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,000 sqft · built 1986
Lot Size	0.36 acres (15,682 sqft)
Owner	Company Name on File
Last Sale	$329,900 (Oct 2025)
Tax Bill	$954 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Nov 2005 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20S-5-30`

Property Details

APN / Parcel Number

Primary APN	`20S-5-30`
Alternative APNs	`020S-05000-030-0` `001856200` `1856200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,000 sqft Living Area
Basement Area	960 sqft
Finished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	15,682 sqft (0.36 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	1856200
Street Address	643 WILLOW OAK TER
City	FOREST
State	VA
Zip	24551-3979
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	MOSS CREEK VILLAGE - LOT 30 SEC 5
Legal Subdivision	MOSS CREEK VILLAGE
Legal Lot Number	30
Jurisdiction	CAMPBELL VA
Township / Civil Division	TIMBERLAKE
Census Block Group	2
Census Block	2005
Census Tract	20402

Owner

643 Willow Oak Ter is owned by a company that bought it in October 2025.

Source: Campbell County records, as of October 19, 2026

Owner of Record	Company Name on File
Mailing Address	643 WILLOW OAK TER, FOREST, VA 24551-3979
Owner Type	Company

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
Oct 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Nov 30, 2005	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA HOUSING DEVELOPM
Oct 31, 2025	Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Aug 15, 2019	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	May 29, 2025 · Amount on File
Deed Document Number	20255773
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	643 WILLOW OAK TER, FOREST, VA 24551-3979
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230004942
Date	Oct 19, 2023
Instrument	230004942

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	311 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL VA
Property Address	643 WILLOW OAK TER, FOREST, VA 24551-3979
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00500/9726
Date	Nov 30, 2005
Book Page	500/9726

Lender

Name	VIRGINIA HOUSING DEVELOPM

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate
Rate	6.38%

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMPBELL VA
Recording Date	Oct 31, 2025
Property Address	643 WILLOW OAK TER, FOREST, VA 24551-3979
Document Number	0250005773
Map Reference	MB 686 PG 15
Instrument Date	Oct 30, 2025
Instrument	250005773
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ABSOLUTE TITLE AND SETTLEMENT LLC, ABSOLUTE TITLE & STLMT LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 WILLOW OAK TER, FOREST, VA 24551-3979

Mortgage

Document Number	0250005774
Date	Oct 31, 2025
Instrument	250005774

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL VA
Recording Date	Aug 15, 2019
Property Address	643 WILLOW OAK TER, FOREST, VA 24551-3979
Document Number	190004039
Instrument Date	Jul 31, 2019
Instrument	190004039
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	ADVANTAGE TITLE & CLOSING

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	643 WILLOW OAK TER, FOREST, VA 24551-3979

Mortgage

Document Number	190004040
Date	Aug 15, 2019
Instrument	190004040

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0190004041
Date	Aug 15, 2019
Instrument	190004041

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 643 Willow Oak Ter was $954.

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	$954.00	$212,000 (-) Land $40,000 Building $172,000	$212,000 Land $40,000 Building $172,000
2025	$954.00	$212,000 Land $40,000 Building $172,000
2023	$954.00	$212,000 Land $40,000 Building $172,000	$212,000 Land $40,000 Building $172,000

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

Flood

FEMA maps place 643 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 643 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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