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Single Family ResidenceResidential
$371,878$215 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

103 DECLARATION TER

FOREST, VA 24551
3
Beds
2.5
Baths
1,733 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$372K
$343K low$401K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.111%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$202,991
PROSPERITY MORTGAGE CO · recorded Apr 2, 2009
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$210,000
ROCKET MORTGAGE LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,236 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$301,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$52,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$249,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$301,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$301,500

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyBEDFORD
Lot (acres)The size of the land the home sits on, from county records.0.36
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 136 ft²Porch · 36 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Thomas Jefferson Elementary SchoolA
Elementary · Grades PK–5 · 0.7 mi
H
Jefferson Forest High SchoolB+
High · Grades 9–12 · 1.9 mi
M
Forest Middle SchoolA
Middle · Grades 6–8 · 2.0 mi

District: Bedford County Public Schools

Neighborhood · ZIP 24551These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.47
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.26,095
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.377 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$91,843
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$113,852
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

103 Declaration Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a smaller lot than 89% of homes in Bedford County

What homes are worth in Forest 24551

Each bar is how many homes fall in that price range. The marker is this home.

This home
$179K$940K

This home is worth more than 40% of homes in Forest 24551.

How it measures up in Forest 24551

The dot is this home. The mark in the middle is the typical home in Forest 24551.

Estimated value$371,878
CheaperTypical $414,896Pricier

Pricier than 40% of homes nearby

Price per ft²$215
CheaperTypical $210Pricier

Pricier than 55% of homes nearby

Living area1,733 ft²
SmallerTypical 2,006 ft²Bigger

Bigger than 38% of homes nearby

Lot size0.36 ac
SmallerTypical 0.65 acBigger

Bigger than 21% of homes nearby

Year built1992
OlderTypical 1993Newer

Newer than 49% of homes nearby

How 103 Declaration Ter ranks against every home in each area.
MeasureThis homeForest 24551Bedford County
Estimated valuepricier than$371,87840% of homes59% of homes
Price per ft²pricier than$21555% of homes54% of homes
Living areabigger than1,733 ft²38% of homes60% of homes
Lot sizebigger than0.36 ac21% of homes11% of homes
Year builtnewer than199249% of homes58% of homes

About 103 Declaration Ter

How much is 103 Declaration Ter, Forest, VA worth?

The TopHap Estimate for 103 Declaration Ter, Forest, VA is $371,878 as of Jul 14, 2026. The likely range is $343,205 to $400,551. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 103 Declaration Ter, Forest, VA last sell?

103 Declaration Ter, Forest, VA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 103 Declaration Ter, Forest, VA?

103 Declaration Ter, Forest, VA has 3 bedrooms, 2.5 bathrooms, 1,733 square feet of living space and a 0.36-acre lot.

When was 103 Declaration Ter, Forest, VA built?

103 Declaration Ter, Forest, VA was built in 1992, making it 34 years old. It is a conventional home.

What schools serve 103 Declaration Ter, Forest, VA?

103 Declaration Ter, Forest, VA is assigned to Thomas Jefferson Elementary School (elementary), rated A; Jefferson Forest High School (high), rated B+; Forest Middle School (middle), rated A. All sit in Bedford County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 Declaration Ter, Forest, VA compare to other homes in Forest 24551?

Among the 9,346 homes in Forest 24551, it is worth more than 40% of them ($371,878 against a typical $414,896), its price per square foot is higher than 55% of them ($215 against a typical $210), it is bigger than 38% of them (1,733 ft² against a typical 2,006 ft²), its lot is bigger than 21% of them (0.36 ac against a typical 0.65 ac) and it is newer than 49% of them (1992 against a typical 1993). Measured against all of Bedford County, it is worth more than 59% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 103 Declaration Ter, Forest, VA?

The 2026 property tax bill for 103 Declaration Ter, Forest, VA was $1,236. The county assessed it at $301,500.

Closest homes

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Assigned schools

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