Bedford County property record for 817 Smith St, Bedford, VA 24523
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,688 sqft · built 1987 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Company Name on File |
| Tax Bill | $809 (2026) |
| Deeds & Mortgages | Sep 2018 Mortgage Mar 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 255 B 1 8-T |
| Primary APN | 255 B 1 8-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 | 20,038 sqft (0.46 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 817 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 8 |
| Legal Subdivision | GRAND ARBRE |
| Legal Lot Number | 8 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 50101 |
817 Smith St, a single family home, is owned by a company.
Source: Bedford County records, as of July 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 323 RIVER VIEW DR, VERONA, VA 24482-2547 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 13, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK |
| Mar 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF THE JAMES |
| Mar 8, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF THE JAMES |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 817 SMITH ST # &, &, BEDFORD, VA 24523-3026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0180008409 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 180008409 |
| Name | FIRST NATIONAL BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 817 SMITH ST # &, &, BEDFORD, VA 24523-3026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Title Company | STATEWIDE SETTLEMENT SERVICES, STATEWIDE STLMNT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0210002969 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 210002969 |
| Name | BANK OF THE JAMES |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD VA |
| Property Address | 817 SMITH ST # &, &, BEDFORD, VA 24523-3026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0220002711 |
|---|---|
| Date | Mar 8, 2022 |
| Instrument | 220002711 |
| Name | BANK OF THE JAMES |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 817 Smith St was $809.
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 | $809.00 | $197,500 (-) Land $30,000 Building $167,500 | |
| 2025 | $809.00 | $197,500 Land $30,000 Building $167,500 | |
| 2023 | $809.00 Additional exemption filed | $98,750 | $197,500 Land $30,000 Building $167,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 817 Smith St in Zone X, an area of minimal flood risk.
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 risk around 817 Smith St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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) |
|---|---|
| Glo Fiber Cable | 1,200 / 50 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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