1011 N Independence Dr, Montross, VA 22520 Property Records

Westmoreland County property record for 1011 N Independence Dr, Montross, VA 22520

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,746 sqft · built 1972
Owner	Individual Name on File
Last Sale	$106,000 (Nov 2016)
Tax Bill	$1,799 (2025)
Deeds & Mortgages	Oct 2020 Refinance Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22B-158`

Property Details

APN / Parcel Number

Primary APN	`22B-158`
Alternative APN	`9685`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,746 sqft Living Area
Basement Area	912 sqft
Unfinished Basement	912 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Material	Composition Shingle
Porch	Enclosed Porch
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	9685
Old Parcel Number	22B-158
Street Address	1011 N INDEPENDENCE DR
City	MONTROSS
State	VA
Zip	22520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	INDEPENDENCE SHORES LOT 158DB 889 PG 707 R/S
Legal Subdivision	INDEPENDENCE SHORES
Legal Lot Number	158
Jurisdiction	WESTMORELAND VA
Township / Civil Division	MONTROSS
Census Block Group	1
Census Block	1010
Census Tract	10200

Owner

1011 N Independence Dr is owned by an individual who bought it in November 2016.

Source: Westmoreland County records, as of January 7, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1966 LONGS RD, LURAY, VA 22835-4917
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
Oct 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ALCOVA MORTGAGE LLC
Aug 23, 2017	Deed of Trust, Mortgage · ARM PARK VIEW FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2016 · Amount on File
Deed Sale	Nov 14, 2016 · Amount on File
Deed Document Number	0000889707
Deed Book / Page	889 / 707
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	1011 N INDEPENDENCE DR, MONTROSS, VA 22520
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009362806
Date	Oct 30, 2020
Instrument	09362806

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	1011 N INDEPENDENCE DR, MONTROSS, VA 22520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	8981276
Date	Aug 23, 2017
Instrument	8981276

Lender

Name	PARK VIEW FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 1011 N Independence Dr was $1,799.

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,799.00	$264,700 Land $126,000 Building $138,700	$264,700 Land $126,000 Building $138,700
2023	$1,641.00	$264,700 Land $126,000 Building $138,700	$264,700 Land $126,000 Building $138,700

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

Flood

FEMA maps place 1011 N Independence Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 22, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2003–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2020 · rainfall accumulation

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 1011 N Independence Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	STRATFORD HARBOUR private · serves 1,230 people · EPA ID VA4193920
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Independence Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures