Bedford County property record for 938 Smith St, Bedford, VA 24523
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $339,900 (Feb 2025) |
| Tax Bill | $184 (2026) |
| Deeds & Mortgages | Feb 2025 Sale & Mortgage Feb 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 255 2 5-T |
| Primary APN | 255 2 5-T |
|---|---|
| Alternative APN |
|
| Lot Area | 61,420 sqft (1.41 acres) |
|---|
| Street Address | 938 SMITH ST |
|---|---|
| City | BEDFORD |
| State | VA |
| Zip | 24523-3006 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | SMITH FIELD ACRES LOT 5 PB 64/237 |
| Legal Subdivision | SMITH FIELD ACRES |
| Legal Lot Number | 5 |
| Jurisdiction | BEDFORD VA |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 50101 |
938 Smith St, residential vacant land, is owned and occupied by two individuals who bought it in February 2025.
Source: Bedford County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 938 SMITH ST, BEDFORD, VA 24523-3006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Feb 4, 2025 | Warranty Deed, Transfer · Stand-Alone First Mortgage TRUIST BANK |
| Feb 3, 2025 | Correction Deed |
| Jan 8, 2025 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC UNION BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2025 · Amount on File |
| Deed Sale | Feb 4, 2025 · Amount on File |
| Prior Sale | Jan 8, 2025 · Amount on File |
| Deed Document Number | 2025860 |
| Prior Transfer Date | Jan 21, 2025 |
| Prior Transfer Doc | 0000000822 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Feb 4, 2025 |
| Property Address | 938 SMITH ST, BEDFORD, VA 24523-3006 |
| Document Number | 0250000860 |
| Instrument Date | Jan 30, 2025 |
| Instrument | 250000860 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 938 SMITH ST, BEDFORD, VA 24523-3006 |
| Document Number | 0250000861 |
|---|---|
| Date | Feb 4, 2025 |
| Instrument | 250000861 |
| Name | TRUIST BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Feb 3, 2025 |
| Property Address | 938 SMITH ST, BEDFORD, VA 24523-3006 |
| Document Number | 0250000822 |
| Instrument Date | Jan 21, 2025 |
| Instrument | 250000822 |
| Record Updated | Jan 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 934 SMITH ST, BEDFORD, VA 24523-3006 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD VA |
| Recording Date | Jan 8, 2025 |
| Property Address | 938 SMITH ST, BEDFORD, VA 24523-3006 |
| Document Number | 0250000130 |
| Instrument Date | Dec 31, 2024 |
| Instrument | 250000130 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 934 SMITH ST, BEDFORD, VA 24523-3006 |
| Document Number | 0250000131 |
|---|---|
| Date | Jan 8, 2025 |
| Instrument | 250000131 |
| Name | ATLANTIC UNION BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Apr 1, 2054 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 938 Smith St was $184.
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 | $184.00 | $45,000 (-) Land $45,000 | |
| 2025 | $184.00 Additional exemption filed | $45,000 Land $45,000 | |
| 2023 | $45,000 Land $45,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 938 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 938 Smith St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 59% of Virginia |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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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