108 Sugar Mill Dr, Amherst, VA 24521 Property Records

Amherst County property record for 108 Sugar Mill Dr, Amherst, VA 24521

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,888 sqft · built 1995
Lot Size	0.737 acres (32,104 sqft)
Owner	Individual Name on Record
Last Sale	$227,000 (Jan 2019)
Tax Bill	$1,976 (2026)
Deeds & Mortgages	May 2020 Mortgage Jan 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`123D 1 71`

Property Details

APN / Parcel Number

Primary APN	`123D 1 71`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,888 sqft Living Area
1st Floor Area	1,872 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Architectural Style	Cape Cod
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,104 sqft (0.737 acres)
Porch	Slab
Deck Area	348 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	108 SUGAR MILL DR
City	AMHERST
State	VA
Zip	24521-3312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 71 SUGAR MILL SD 123D 1 71
Legal Subdivision	SUGAR MILL
Legal Lot Number	71
Jurisdiction	AMHERST VA
Township / Civil Division	3
Census Block Group	1
Census Block	1059
Census Tract	10201

Owner

Source: Amherst County records, as of June 23, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	108 SUGAR MILL DR, AMHERST, VA 24521-3312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JFQ LENDING INC
Sep 23, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Jan 28, 2019	Warranty Deed, Transfer · FHA Mortgage SUMMIT MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2019 · Amount on Record
Deed Sale	Jan 28, 2019 · Amount on Record
Prior Sale	Oct 1, 2012 · Amount on Record
Deed Document Number	2019255
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	108 SUGAR MILL DR, AMHERST, VA 24521-3312
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001552
Date	May 20, 2020
Instrument	200001552

Lender

Name	JFQ LENDING INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	108 SUGAR MILL DR, AMHERST, VA 24521-3312
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000326
Date	Jan 27, 2021
Instrument	210000326

Lender

Name	JFQ LENDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	108 SUGAR MILL DR, AMHERST, VA 24521-3312
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190002712
Date	Sep 23, 2019
Instrument	190002712

Lender

Name	JFQ LENDING INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Jan 28, 2019
Property Address	108 SUGAR MILL DR, AMHERST, VA 24521-3312
Document Number	0190000255
Instrument Date	Jan 24, 2019
Instrument	190000255
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0190000256
Date	Jan 28, 2019
Instrument	190000256

Lender

Name	SUMMIT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Amherst County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,976.00 (+58.21%)	$204,800 (-) Land $25,000 Building $179,800	$353,000 (+72.36%) Land $30,000 Building $323,000
2025	$1,249.00
2024		$204,800 (-) Land $25,000 Building $179,800	$204,800 (-) Land $25,000 Building $179,800
2023	$1,249.00	$204,800 Land $25,000 Building $179,800	$204,800 Land $25,000 Building $179,800

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 February 14, 2025 · 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
Nearby Flood Policies	3 in force

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	Moderate above 44% of the US · above 71% of Virginia
Wildfire Likelihood	0.07% 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	AMHERST CO SERVICE AUTHORITY (ACSA) serves 14,799 people · EPA ID VA5009250
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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