Bedford County property record for 809 Smith St, Bedford, VA 24523
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,688 sqft · built 1987 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Company Name on File |
| Tax Bill | $712 (2026) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 255 B 1 10-T |
| Primary APN | 255 B 1 10-T |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 10 Rooms |
| Building Area | 2,688 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,473 sqft (0.47 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 809 SMITH ST, & |
|---|---|
| City | BEDFORD |
| State | VA |
| Zip | 24523-3026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAND ARBRE SEC 1 LOT 10 |
| Legal Subdivision | GRAND ARBRE |
| Legal Lot Number | 10 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 50101 |
Source: Bedford County assessment roll, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 306 BENTLEY GROVE WAY, LYNCHBURG, VA 24502-3250 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 809 SMITH ST # &, &, BEDFORD, VA 24523-3026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0210007417 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 210007417 |
| Name | MEMBER ONE FEDERAL CREDIT UNION |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 15, 2036 |
| Rate Type | Fixed Rate |
|---|
Source: Bedford County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Bedford County |
| Municipality | Bedford Town |
| Unified School District | Bedford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $712.00 | $173,900 (+1%) Land $30,000 Building $143,900 | |
| 2023 | $712.00 Additional exemption filed | $86,950 | $173,900 Land $30,000 Building $143,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Cable | 1,200 / 50 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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