988 Smith St, Bedford, VA 24523 Property Records

Bedford County property record for 988 Smith St, Bedford, VA 24523

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,618 sqft · built 1990
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$174,600 (Mar 2022)
Tax Bill	$885 (2023)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`255 A 2 12 T`

Property Details

APN / Parcel Number

Primary APN	`255 A 2 12 T`
Alternative APN	`80501300`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,618 sqft Living Area

Exterior

Year Built	Built 1990
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	988 SMITH ST
City	BEDFORD
State	VA
Zip	24523-3006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMITHFIELD SEC 2 LOT 12
Legal Subdivision	SMITHFIELD
Legal Lot Number	1
Jurisdiction	BEDFORD VA
Township / Civil Division	7
Census Block Group	1
Census Block	1031
Census Tract	50101

Owner

Source: Bedford County records, as of August 14, 2023

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
Mailing Address	988 SMITH ST, BEDFORD, VA 24523-3006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2022 · Amount on Record
Deed Sale	Mar 18, 2022 · Amount on Record
Deed Document Number	220003232
Record Updated	Jun 7, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD VA
Recording Date	Mar 18, 2022
Property Address	988 SMITH ST, BEDFORD, VA 24523-3006
Document Number	0220003232
Instrument Date	Mar 18, 2022
Instrument	220003232
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	ANCHOR TITLE/FL LLC, ANCHOR TITLE SML LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	988 SMITH ST, BEDFORD, VA 24523-3006

Mortgage

Document Number	0220003233
Date	Mar 18, 2022
Instrument	220003233

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of January 1, 2023

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
2023	$885.00 Additional exemption filed	$107,950	$215,900 Land $40,000 Building $175,900

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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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.

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 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