809 Grove St, Bedford, VA 24523 Property Records

Bedford County property record for 809 Grove St, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,508 sqft
Owner	Individual Name on Record
Last Sale	$190,000 (Sep 2025)
Tax Bill	$483 (2025)
Deeds & Mortgages	Jun 2020 Second Mortgage Jun 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`194 A 127-T`

Property Details

APN / Parcel Number

Primary APN	`194 A 127-T`
Alternative APN	`80501235`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,508 sqft Living Area
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Material	Metal

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	809 GROVE ST
City	BEDFORD
State	VA
Zip	24523-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROVE ST
Legal Subdivision	GROVE ST
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	1
Census Block	1014
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 October 14, 2025

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
Co-owner	Co-owner on Record
Mailing Address	3402 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC
Jun 9, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC
Aug 27, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Sep 29, 2025	Deed, Transfer · Conventional Mortgage THE FIRST BANK & TRUST CO
Feb 24, 2022	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS
May 17, 2021	Warranty Deed, Transfer · USDA Mortgage UNITED STATES OF AMERICA DEPARTMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Feb 24, 2022 · Amount on Record
Deed Document Number	250008392
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	809 GROVE ST, BEDFORD, VA 24523-3409
Transaction Type	Mortgage
Record Updated	Oct 15, 2025
Title Company	RELIAN TITLE, RELIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200005953
Date	Jun 9, 2020
Instrument	200005953

Lender

Name	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2030

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	809 GROVE ST, BEDFORD, VA 24523-3409
Transaction Type	Mortgage
Record Updated	Oct 15, 2025
Title Company	RELIAN TITLE, RELIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200005952
Date	Jun 9, 2020
Instrument	200005952

Lender

Name	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD VA
Property Address	809 GROVE ST, BEDFORD, VA 24523-3409
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240006782
Date	Aug 27, 2024
Instrument	240006782

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

Interest

Rate Type	Fixed Rate
Rate	5.88%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD VA
Recording Date	Sep 29, 2025
Property Address	809 GROVE ST, BEDFORD, VA 24523-3409
Document Number	0250008392
Map Reference	MB 66 PG 131
Instrument Date	Sep 29, 2025
Instrument	250008392
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
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	3402 SHARPS MOUNTAIN RD, BEDFORD, VA 24523-3866

Mortgage

Document Number	0250008393
Date	Sep 29, 2025
Instrument	250008393

Lender

Name	THE FIRST BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Oct 1, 2028
Change Frequency	3 Years
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	3-Year TN
Max Rate	14%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Feb 24, 2022
Property Address	809 GROVE ST, BEDFORD, VA 24523-3409
Document Number	0220002183
Instrument Date	Feb 17, 2022
Instrument	220002183
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER

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

Mortgage

Document Number	0220002184
Date	Feb 24, 2022
Instrument	220002184

Lender

Name	VETERANS UNITED HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.34%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	May 17, 2021
Property Address	809 GROVE ST, BEDFORD, VA 24523-3409
Document Number	210007291
Instrument Date	May 11, 2021
Instrument	210007291
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	ATTORNEY

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

Mortgage

Document Number	210007292
Date	May 17, 2021
Instrument	210007292

Lender

Name	UNITED STATES OF AMERICA DEPARTMENT

Agreement

Type	USDA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 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	$483.00 Additional exemption filed	$118,000 (+1%) Land $20,000 Building $98,000
2023	$483.00 Additional exemption filed	$59,000	$118,000 Land $20,000 Building $98,000

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

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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