Hanover County property record for 105 E Francis St, Ashland, VA 23005
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,154 sqft · built 2004 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,594 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7779-78-1693 |
| Primary APN | 7779-78-1693 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,154 sqft Living Area |
| 1st Floor Area | 240 sqft |
| 2nd Floor Area | 924 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 19,602 sqft (0.45 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Balcony Area | 14 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10204289 |
|---|---|
| Street Address | 105 E FRANCIS ST |
| City | ASHLAND |
| State | VA |
| Zip | 23005-2069 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | 100 BLK EAST FRANCIS STREET |
| Jurisdiction | HANOVER VA |
| Township / Civil Division | ASHLAND |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 320602 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Ashland Historic District listed 1983 · 325 contributing resources · NRIS 83003284 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
105 E Francis St is owned by two individuals who acquired it in April 2025.
Source: Hanover County records, as of June 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 595, ASHLAND, VA 23005-0595 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 23, 2025 |
| Transfer Doc | 0003417725 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANOVER VA |
| Recording Date | Jul 14, 2026 |
| Property Address | 105 E FRANCIS ST, ASHLAND, VA 23005-2069 |
| Document Number | 0000081610 |
| Book / Page | 3449 / 2143 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202681610 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000081610, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 3449/2143 |
| Instrument | 202681610 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 28, 2046 |
| Rate | 5.49% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 105 E Francis St was $3,594, up 4.7% from the year before.
Source: Hanover County assessment roll, as of June 4, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Ashland Town |
| County | Hanover County |
| Unified School District | Hanover County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,594.00 (+4.69%) | $443,800 (+4.69%) Land $104,500 Building $339,300 | $443,800 (+4.69%) Land $104,500 Building $339,300 |
| 2025 | $3,433.00 | $423,900 Land $99,500 Building $324,400 | $423,900 Land $99,500 Building $324,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 E Francis St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.
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 |
|---|---|
| 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 risk around 105 E Francis St 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 80% of the US · lower than 71% 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.
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 |
| 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.
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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