1058 Mill Wharf Rd, Wake, VA 23176 Property Records

Middlesex County property record for 1058 Mill Wharf Rd, Wake, VA 23176

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,588 sqft · built 1950
Lot Size	4.75 acres (206,910 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,336 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`38 180`

Property Details

APN / Parcel Number

Primary APN	`38 180`
Alternative APN	`6114`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,588 sqft Living Area
Gross Area	5,922 sqft
1st Floor Area	2,588 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1969
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	206,910 sqft (4.75 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	1,360 sqft
Deck Area	168 sqft
Shed	1 Shed
Shed Area	460 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	6114
Street Address	1058 MILL WHARF RD
City	WAKE
State	VA
Zip	23176-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	MILL CREEK 4.75 AC W42-734 59-674 D319-128
Legal Subdivision	MILL CREEK
Jurisdiction	MIDDLESEX VA
Township / Civil Division	PINE TOP
Census Block Group	3
Census Block	3019
Census Tract	951100

Owner

1058 Mill Wharf Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1058 MILL WHARF RD, WAKE, VA 23176-2129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	1058 MILL WHARF RD, WAKE, VA 23176-2129
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1058 MILL WHARF RD, WAKE, VA 23176-2129

Mortgage

Document Number	0260000240
Date	Feb 20, 2026
Instrument	260000240

Lender

Name	AMERICAN PARTNERS FCU
Type	Credit Union
Address	REIDSVILLE, NC 27320

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	348 Months
Due	Feb 9, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 1058 Mill Wharf Rd was $4,336.

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	$4,336.00	$710,900 (-) Land $363,800 Building $347,100	$710,900 (-) Land $363,800 Building $347,100
2025	$4,336.00	$710,900 Land $363,800 Building $347,100	$710,900 Land $363,800 Building $347,100
2023	$4,336.00	$710,900 Land $363,800 Building $347,100	$710,900 Land $363,800 Building $347,100

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

Flood

FEMA maps place 1058 Mill Wharf Rd 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 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 File 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

Wildfire risk around 1058 Mill Wharf Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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