104 Five Oaks Ln, Ashland, VA 23005 Property Records

Hanover County property record for 104 Five Oaks Ln, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1987
Lot Size	0.243 acres (10,585 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Jul 2026)
Tax Bill	$2,464 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7779-77-8774`

Property Details

APN / Parcel Number

Primary APN	`7779-77-8774`
Alternative APN	`10175100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	10,585 sqft (0.243 acres)

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	80 sqft
Patio Area	80 sqft
Storage Building	32 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10175100
Street Address	104 FIVE OAKS LN
City	ASHLAND
State	VA
Zip	23005-2180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	SLASH COTTAGE LOT 10 BLK D SEC 1
Legal Subdivision	SLASH COTTAGE
Legal Block	D
Legal Lot Number	10
Jurisdiction	HANOVER VA
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1039
Census Tract	320602

Owner

104 Five Oaks Ln is owned and occupied by an individual who bought it in July 2026.

Source: Hanover County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	104 FIVE OAKS LN, ASHLAND, VA 23005-2180
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
Jul 7, 2026	Deed, Transfer · Conventional Mortgage C F MORTGAGE CORPORATION
Aug 27, 2018	Warranty Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Aug 27, 2018 · Amount on File
Deed Document Number	202678220
Deed Book / Page	3449 / 174
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HANOVER VA
Recording Date	Jul 7, 2026
Property Address	104 FIVE OAKS LN, ASHLAND, VA 23005-2180
Document Number	0000078220
Book / Page	3449 / 174
Instrument Date	Jul 2, 2026
Instrument	202678220
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,835.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 FIVE OAKS LN, ASHLAND, VA 23005-2180

Mortgage

Document Number	0000078230,
Date	Jul 7, 2026
Instrument	202678230

Lender

Name	C F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANOVER VA
Recording Date	Aug 27, 2018
Property Address	104 FIVE OAKS LN, ASHLAND, VA 23005-2180
Document Number	3207871
Book / Page	3207 / 871
Instrument Date	Aug 14, 2018
Instrument	20180827000104030
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 FIVE OAKS LN, ASHLAND, VA 23005-2180

Mortgage

Document Number	20180827000104040
Date	Aug 27, 2018
Instrument	20180827000104040

Lender

Name	PRESIDENTIAL BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 104 Five Oaks Ln was $2,464, up 6.2% from the year before.

Source: Hanover County assessment roll, as of June 4, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Ashland Town
County	Hanover County
Unified School District	Hanover County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,464.00 (+6.16%)	$304,300 (+6.18%) Land $85,000 Building $219,300	$304,300 (+6.18%) Land $85,000 Building $219,300
2025	$2,321.00	$286,600 Land $85,000 Building $201,600	$286,600 Land $85,000 Building $201,600

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

Flood

FEMA maps place 104 Five Oaks Ln 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 January 29, 2026 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	3 (2003–2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2018 · other causes

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 104 Five Oaks Ln 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HANOVER SUBURBAN WATER SYSTEM serves 57,931 people · EPA ID VA4085398
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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