Rockingham County property record for 10 Phyllis Ln, Bridgewater, VA 22812
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,512 sqft · built 2007 |
| Lot Size | 0.351 acres (15,290 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,000 (Apr 2012) |
| Tax Bill | $2,717 (2026) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 122D-(12)-L46 |
| Primary APN | 122D-(12)-L46 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,512 sqft Living Area |
| Gross Area | 5,482 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,290 sqft (0.351 acres) |
| Driveway | Paver Driveway |
| Driveway Area | 1,200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | R45196 |
|---|---|
| Street Address | 10 PHYLLIS LN |
| City | BRIDGEWATER |
| State | VA |
| Zip | 22812-1671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | WINDSOR WEST SBDV S2 L46 |
| Legal Subdivision | WINDSOR WEST |
| Jurisdiction | ROCKINGHAM VA |
| Township / Civil Division | ASHBY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 11500 |
Source: Rockingham County records · APN 122D-(12)-L46
Assessment roll updated June 8, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2024 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH ONE FCU |
| Jan 22, 2024 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH ONE FCU |
| Jan 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VBS MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 27, 2012 · Amount on Record |
| Deed Sale | Apr 27, 2012 · Amount on Record |
| Prior Sale | Apr 01, 2011 · Amount on Record |
| Deed Document Number | 201211458 |
| Deed Book / Page | 4039 / 430 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Property Address | 10 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Transaction Type | Mortgage |
| Record Updated | Mar 08, 2024 |
| Name | Verified Name |
|---|
| Document Number | 005768/622 |
|---|---|
| Date | Jan 22, 2024 |
| Book Page | 5768/622 |
| Instrument | 2024-01305 |
| Name | COMMONWEALTH ONE FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22314 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Property Address | 10 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2024 |
| Name | Verified Name |
|---|
| Document Number | 005768/622 |
|---|---|
| Date | Jan 22, 2024 |
| Book Page | 5768/622 |
| Instrument | 2024-01305 |
| Name | COMMONWEALTH ONE FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Property Address | 10 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | VS TITLE |
| Name | Verified Name |
|---|
| Document Number | 5357/717 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 5357/717 |
| Instrument | 2021-01238 |
| Name | VBS MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HARRISONBURG, VA 22801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Rate | 3.62% |
|---|
Source: Rockingham County records · Assessment roll updated June 8, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Bridgewater Town |
| County | Rockingham County |
| Unified School District | Rockingham County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,717.00 | $411,800 Land $70,000 Building $341,800 | $411,800 Land $70,000 Building $341,800 |
Source: FEMA National Flood Hazard Layer as of April 13, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 19 (1985–2003) |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
| Claims by Event |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.6% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Shenandoah Telecommunications Company Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 171 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF BRIDGEWATER serves 6,177 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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