101 Cold Cheer Point Dr, Tappahannock, VA 22560 Property Records

Essex County property record for 101 Cold Cheer Point Dr, Tappahannock, VA 22560

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,248 sqft · built 2001
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on File
Tax Bill	$4,876 (2026)
Deeds & Mortgages	Jan 2024 Second Mortgage Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`37-G-1-5`

Property Details

APN / Parcel Number

Primary APN	`37-G-1-5`
Alternative APN	`9340`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,248 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Architectural Style	Cape Cod
Exterior Material	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	88,427 sqft (2.03 acres)
Garage Type	Attached
Garage Area	825 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	477 sqft
Patio Area	320 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Other
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	9340
Street Address	101 COLD CHEER POINT DR
City	TAPPAHANNOCK
State	VA
Zip	22560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLD CHEER POINT LOT 5
Legal Subdivision	PISCATAWAY CREEK
Legal Lot Number	5
Jurisdiction	ESSEX VA
Township / Civil Division	TAPPAHANNOCK
Census Block Group	2
Census Block	2032
Census Tract	950700

Owner

101 Cold Cheer Point Dr is owned and occupied by an individual who acquired it in December 2023.

Source: Essex County records, as of October 1, 2026

Owner of Record	Individual Name on File
Mailing Address	101 COLD CHEER POINT DR, TAPPAHANNOCK, VA 22560
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 11, 2023
Transfer Doc	0000001358
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	101 COLD CHEER POINT DR, TAPPAHANNOCK, VA 22560
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000002
Date	Jan 3, 2024
Instrument	240000002

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2044

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	101 COLD CHEER POINT DR, TAPPAHANNOCK, VA 22560
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001225
Date	Oct 6, 2020
Instrument	200001225

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	384 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.63%

Tax Assessment & Valuation

The 2026 property tax bill for 101 Cold Cheer Point Dr was $4,876.

Source: Essex County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Essex County
Unified School District	Essex County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,876.00	$886,700 (-) Land $281,900 Building $604,800	$886,700 (-) Land $281,900 Building $604,800
2025	$4,876.00	$886,700 Land $281,900 Building $604,800	$886,700 Land $281,900 Building $604,800
2023	$5,003.00	$685,470 Land $260,300 Building $425,170	$685,470 Land $260,300 Building $425,170

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Cold Cheer Point Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 30 individual policies
Nearby Flood Policies	80 units insured incl. 50 condo units
Nearby Flood Claims	25 (1985–2006)
Claims Outside the SFHA	8 of 25
Most Recent Claim	Sep 2006 · Tropical Depression Ernesto, Severe Storms And Flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 8 claims Hurricane Isabel, Sep 2003 · 12 claims Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 3 claims

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.

Wildfire

Wildfire risk around 101 Cold Cheer Point Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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