721 Grove St, Bedford, VA 24523 Property Records

Bedford County property record for 721 Grove St, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	2 ba · 3,326 sqft · built 1972
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,215 (2025)
Deeds & Mortgages	Dec 2017 Refinance Feb 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`194 A 157-T`

Property Details

APN / Parcel Number

Primary APN	`194 A 157-T`
Alternative APN	`80502409`

Interior

Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,326 sqft Living Area
1st Floor Area	429 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	721 GROVE ST
City	BEDFORD
State	VA
Zip	24523-3407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROVE CORN LEE ST
Legal Subdivision	LEE ST
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	1
Census Block	1009
Census Tract	50102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bedford Historic District listed 1984 · 208 contributing resources · NRIS 84000031

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Bedford County records, as of March 24, 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	721 GROVE ST, BEDFORD, VA 24523-3407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN AMERICAN MORTGAGE COMPANY
Feb 7, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Jan 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Jun 25, 2010	Deed of Trust, Mortgage · FHA Mortgage C & F MORTGAGE CORP
Mar 9, 2026	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 25, 2016	Warranty Deed, Transfer · Stand-Alone Refinance STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026
Deed Sale	Mar 9, 2026
Prior Sale	Jan 25, 2016 · Amount on Record
Deed Document Number	20262024
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	721 GROVE ST, BEDFORD, VA 24523-3407
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170011219
Date	Dec 1, 2017
Instrument	170011219

Lender

Name	FRANKLIN AMERICAN MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	721 GROVE ST, BEDFORD, VA 24523-3407
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001355
Date	Feb 7, 2020
Instrument	200001355

Lender

Name	QUICKEN LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	721 GROVE ST, BEDFORD, VA 24523-3407
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000425
Date	Jan 11, 2021
Instrument	210000425

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	721 GROVE ST, BEDFORD, VA 24523-3407
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100005945
Date	Jun 25, 2010
Instrument	100005945

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2040

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Mar 9, 2026
Property Address	721 GROVE ST, BEDFORD, VA 24523-3407
Document Number	0260002024
Instrument Date	Mar 5, 2026
Instrument	260002024
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	721 GROVE ST, BEDFORD, VA 24523-3407

Mortgage

Document Number	0260002025
Date	Mar 9, 2026
Instrument	260002025

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Jan 25, 2016
Property Address	721 GROVE ST, BEDFORD, VA 24523-3407
Document Number	0160000569
Instrument Date	Jan 17, 2016
Instrument	160000569
Transaction Type	Transfer
Record Updated	Sep 3, 2024
Title Company	INTEGRITY TITLE & STLMNT LLC

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	721 GROUE ST, BEDFORD, VA 24523-3407

Mortgage

Document Number	0160000570
Date	Jan 25, 2016
Instrument	160000570

Lender

Name	STEARNS LENDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2046

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
Municipality	Bedford Town
Unified School District	Bedford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,215.00	$296,500 (+1%) Land $32,000 Building $264,500
2023	$1,215.00 Additional exemption filed	$148,250	$296,500 Land $32,000 Building $264,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% 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	BEDFORD REGIONAL WATER AUTHORITY (BRWA) serves 38,794 people · EPA ID VA5019052
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	2 ppb (2024–2026) action level 15 ppb
Copper	1.52 mg/L (2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2019
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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