108 Frances Rd, Ashland, VA 23005 Property Records

Hanover County property record for 108 Frances Rd, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,614 sqft · built 1955
Lot Size	1.66 acres (72,527 sqft)
Owner	Trust Name on File
Tax Bill	$2,792 (2026)
Deeds & Mortgages	Sep 2021 Refinance Apr 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`7880-43-8091`

Property Details

APN / Parcel Number

Primary APN	`7880-43-8091`
Alternative APN	`10165634`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,614 sqft Living Area
1st Floor Area	1,614 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	72,527 sqft (1.66 acres)
Patio Area	270 sqft
Shed	1 Shed
Shed Area	1,083 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Account Number	10165634
Street Address	108 FRANCES RD
City	ASHLAND
State	VA
Zip	23005-7400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-1
Legal Description	J F LUCK SUBD LOT 16
Legal Subdivision	J F LUCK SUBD
Legal Lot Number	16
Jurisdiction	HANOVER VA
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3024
Census Tract	320601

Owner

108 Frances Rd is owner-occupied and held in a trust since January 2018.

Source: Hanover County records, as of June 4, 2026

Owner of Record	Trust Name on File
Mailing Address	108 FRANCES RD, ASHLAND, VA 23005-7400
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Sep 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SOUTHERN TRUST MORTGAGE LLC
Apr 6, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 12, 2018
Transfer Doc	3197499
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	108 FRANCES RD, ASHLAND, VA 23005-7400
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003327763
Date	Sep 9, 2021
Book Page	3327/763
Instrument	20210909000194240

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HANOVER VA
Recording Date	Apr 6, 2018
Property Address	108 FRANCES RD, ASHLAND, VA 23005-7400
Document Number	3197499
Book / Page	003197 / 000499
Instrument Date	Jan 12, 2018
Instrument	42060
Transaction Type	Transfer
Record Updated	Apr 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 FRANCES RD ASHLAND VA 230057400, ASHLAND, VA 23005-7400

Tax Assessment & Valuation

The 2026 property tax bill for 108 Frances Rd was $2,792, up 13.5% 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	$2,792.00 (+13.5%)	$344,800 (+13.5%) Land $96,700 Building $248,100	$344,800 (+13.5%) Land $96,700 Building $248,100
2025	$2,460.00	$303,800 Land $96,700 Building $207,100	$303,800 Land $96,700 Building $207,100

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

Flood

FEMA maps place 108 Frances Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 29, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 108 Frances 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.

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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