105 Locust Point Ln, Wake, VA 23176 Property Records

Middlesex County property record for 105 Locust Point Ln, Wake, VA 23176

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 4,271 sqft · built 1990
Lot Size	3.27 acres (142,441 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,745 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38 213`

Property Details

APN / Parcel Number

Primary APN	`38 213`
Alternative APN	`5626`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,271 sqft Living Area
Gross Area	8,502 sqft
1st Floor Area	5,584 sqft
Basement Area	2,373 sqft
Finished Basement	2,373 sqft
Unfinished Basement	2,373 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	142,441 sqft (3.27 acres)
Garage Area	720 sqft

Exterior Amenities

Porch	Slab
Porch Area	675 sqft
Deck Area	832 sqft
Shed	1 Shed
Shed Area	780 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5626
Street Address	105 LOCUST POINT LN
City	WAKE
State	VA
Zip	23176-2178
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	MILL CREEK 113-593 178-540 P9-170 08-2002 D14-8 D14-239 D20-1404 D23-912 D23-913
Legal Subdivision	MILL CREEK
Jurisdiction	MIDDLESEX VA
Township / Civil Division	PINE TOP
Census Block Group	3
Census Block	3019
Census Tract	951100

Owner

Source: Middlesex County records, as of October 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	105 LOCUST POINT LN, WAKE, VA 23176-2178
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2025	Deed of Trust, Mortgage · Line of Credit PRIMIS BANK
Sep 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Jul 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 5, 2023
Transfer Doc	0000000913
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	105 LOCUST POINT LN, WAKE, VA 23176-2178
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 LOCUST POINT LN, WAKE, VA 23176-2178

Mortgage

Document Number	0250001432
Date	Aug 21, 2025
Instrument	250001432

Lender

Name	PRIMIS BANK
Type	Bank
Address	ASHLAND, VA 23005

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	105 LOCUST POINT LN, WAKE, VA 23176-2178
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180002020
Date	Sep 12, 2018
Instrument	180002020

Lender

Name	SUNTRUST BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 29, 2048

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	105 LOCUST POINT LN, WAKE, VA 23176-2178
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180001776
Date	Jul 31, 2018
Instrument	180001776

Lender

Name	SUNTRUST MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Middlesex County assessment roll, as of October 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,745.00	$614,000 (-) Land $149,500 Building $464,500	$614,000 (-) Land $149,500 Building $464,500
2025	$3,745.00 (-2.07%)	$614,000 (-) Land $149,500 Building $464,500	$614,000 (-) Land $149,500 Building $464,500
2023	$3,824.00	$614,000 Land $149,500 Building $464,500	$614,000 Land $149,500 Building $464,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 25, 2025 · 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 Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	10 (2003–2006)
Most Recent Claim	Sep 2006 · Tropical Depression Ernesto, Severe Storms And Flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 6 claims Hurricane Isabel, Sep 2003 · 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

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.

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
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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