108 West St, Stuart, VA 24171 Property Records

Patrick County property record for 108 West St, Stuart, VA 24171

Property Summary

Property Type	Single Family Home
Details	built 1910
Lot Size	0.869 acres (37,854 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Dec 2025)
Tax Bill	$1,067 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4711.08.64`

Property Details

APN / Parcel Number

Primary APN	`4711.08.64`
Alternative APNs	`108878` `93340`

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1990
Lot Area	37,854 sqft (0.869 acres)

Location & Zoning

Account Number	108878
Street Address	108 WEST ST
City	STUART
State	VA
Zip	24171-1587
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUE RIDGE ST J B SMITH HOMEPLACE LT I#25-2403
Legal Subdivision	RIDGE
Legal Lot Number	64
Jurisdiction	PATRICK VA
Township / Civil Division	SMITH RIVER
Census Block Group	3
Census Block	3002
Census Tract	30102

Owner

Source: Patrick County records, as of May 7, 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	108 WEST ST, STUART, VA 24171-1587
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Jul 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Nov 18, 2019	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Prior Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	20252403
Record Updated	Jun 8, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	PATRICK VA
Recording Date	Dec 22, 2025
Property Address	108 WEST ST, STUART, VA 24171-1587
Document Number	0250002403
Map Reference	MB 10 PG 27
Instrument Date	Dec 15, 2025
Instrument	250002403
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 WEST ST, STUART, VA 24171-1587

Mortgage

Document Number	0250002404
Date	Dec 22, 2025
Instrument	250002404

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PATRICK VA
Property Address	108 WEST ST, STUART, VA 24171-1587
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	CLOSING USA LLC, CLOSING USA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001527
Date	Jul 13, 2021
Instrument	210001527

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PATRICK VA
Recording Date	Nov 18, 2019
Property Address	108 WEST ST, STUART, VA 24171-1587
Document Number	190001880
Instrument Date	Nov 18, 2019
Instrument	190001880
Transaction Type	Transfer
Record Updated	May 25, 2021

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 WEST ST, STUART, VA 24171-1587

Mortgage

Document Number	190001881
Date	Nov 18, 2019
Instrument	190001881

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Patrick County assessment roll, as of May 7, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Patrick County
Municipality	Stuart Town
Unified School District	Patrick County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,067.00	$146,200 Land $14,400 Building $131,800	$146,200 Land $14,400 Building $131,800

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 August 19, 2008

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF STUART serves 1,500 people · EPA ID VA5141640
Water Source	Surface water
Last State Inspection	Aug 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Citizens Telephone Cooperative, Verizon.

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