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Single Family ResidenceResidential
$319,239$350 / 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 97How 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
Last sold for $306,000 on Nov 14, 2022

108 DECLARATION TER

FOREST, VA 24551
3
Beds
2
Baths
912 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$319K
$310K low$328K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$306,000 · Nov 14, 2022
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.$125,339
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$100,271
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.63%
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.$193,900
BANK OF THE JAMES · recorded Nov 14, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,052 (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.$256,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$55,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$201,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$256,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$256,700

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBEDFORD
Lot (acres)The size of the land the home sits on, from county records.0.37
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 · 176 ft²Porch · 192 ft²

Transaction History(4)

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 · 0.8 mi
H
Jefferson Forest High SchoolB+
High · Grades 9–12 · 2.0 mi
M
Forest Middle SchoolA
Middle · Grades 6–8 · 2.1 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

108 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.

  • Worth less than 73% of homes in Forest 24551
  • Among the highest price per square foot in Forest 24551
  • Smaller than 96% of homes in Forest 24551
  • Has a smaller lot than 89% of homes in Bedford County
  • Older than 66% of homes in Forest 24551

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$938K

This home is worth more than 27% 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$319,239
CheaperTypical $412,490Pricier

Pricier than 27% of homes nearby

Price per ft²$350
CheaperTypical $210Pricier

Pricier than almost all homes nearby

Living area912 ft²
SmallerTypical 2,013 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.37 ac
SmallerTypical 0.65 acBigger

Bigger than 21% of homes nearby

Year built1986
OlderTypical 1993Newer

Newer than 34% of homes nearby

How 108 Declaration Ter ranks against every home in each area.
MeasureThis homeForest 24551Bedford County
Estimated valuepricier than$319,23927% of homes48% of homes
Price per ft²pricier than$350almost all homes89% of homes
Living areabigger than912 ft²4% of homes6% of homes
Lot sizebigger than0.37 ac21% of homes11% of homes
Year builtnewer than198634% of homes46% of homes

About 108 Declaration Ter

How much is 108 Declaration Ter, Forest, VA worth?

The TopHap Estimate for 108 Declaration Ter, Forest, VA is $319,239 as of Jul 14, 2026. The likely range is $310,383 to $328,095. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 108 Declaration Ter, Forest, VA last sell?

108 Declaration Ter, Forest, VA last sold on Nov 14, 2022 for $306,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 108 Declaration Ter, Forest, VA?

108 Declaration Ter, Forest, VA has 3 bedrooms, 2 bathrooms, 912 square feet of living space and a 0.37-acre lot.

When was 108 Declaration Ter, Forest, VA built?

108 Declaration Ter, Forest, VA was built in 1986, making it 40 years old. The building has 1 story.

What schools serve 108 Declaration Ter, Forest, VA?

108 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 108 Declaration Ter, Forest, VA compare to other homes in Forest 24551?

Among the 9,346 homes in Forest 24551, it is worth more than 27% of them ($319,239 against a typical $412,490), its price per square foot is higher than almost all of them ($350 against a typical $210), it is bigger than 4% of them (912 ft² against a typical 2,013 ft²), its lot is bigger than 21% of them (0.37 ac against a typical 0.65 ac) and it is newer than 34% of them (1986 against a typical 1993). Measured against all of Bedford County, it is worth more than 48% 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 108 Declaration Ter, Forest, VA?

The 2026 property tax bill for 108 Declaration Ter, Forest, VA was $1,052. The county assessed it at $256,700.

Closest homes

More homes in Forest 24551

Assigned schools

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