Augusta County property record for 109 Cooper Dr, Stuarts Draft, VA 24477
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,544 sqft · built 1978 |
| Lot Size | 1.03 acres (44,975 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (Sep 2025) |
| Tax Bill | $1,772 (2026) |
| Deeds & Mortgages | Jun 2019 Refinance Sep 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 084E 6 4 10 |
| Primary APN | 084E 6 4 10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,544 sqft Living Area |
| Gross Area | 4,474 sqft |
| 1st Floor Area | 1,129 sqft |
| Upper Floors Area | 1,335 sqft |
| Basement Area | 1,129 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 44,975 sqft (1.03 acres) |
| Garage Area | 419 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Patio Area | 240 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 COOPER DR |
|---|---|
| City | STUARTS DRAFT |
| State | VA |
| Zip | 24477-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SINGLE FAM |
| Legal Description | 84E-(6)-4-10 FOREST SPRINGS EST LOT 10 BLK 4 & ADJ LOT |
| Legal Subdivision | FOREST SPRINGS EST |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | AUGUSTA VA |
| Township / Civil Division | SOUTH RIVER |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 71102 |
Source: Augusta County records, as of June 30, 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 | 109 COOPER DR, STUARTS DRAFT, VA 24477-2921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance DUPONTY COMMUNITY CREDIT UNION |
| Sep 10, 2024 | Deed of Trust, Mortgage · Line of Credit DUPONT COMMUNITY CU |
| Sep 30, 2025 | Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2025 · Amount on Record |
| Deed Sale | Sep 30, 2025 · Amount on Record |
| Prior Sale | Jun 1, 2015 · Amount on Record |
| Deed Document Number | 20257005 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AUGUSTA VA |
| Property Address | 109 COOPER DR, STUARTS DRAFT, VA 24477-2921 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0190004593 |
|---|---|
| Date | Jun 26, 2019 |
| Instrument | 190004593 |
| Name | DUPONTY COMMUNITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 421 Months |
| Due | Jul 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AUGUSTA VA |
| Property Address | 109 COOPER DR, STUARTS DRAFT, VA 24477-2921 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0240005653 |
|---|---|
| Date | Sep 10, 2024 |
| Instrument | 240005653 |
| Name | DUPONT COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Sep 3, 2059 |
| Document Type | Deed |
|---|---|
| Jurisdiction | AUGUSTA VA |
| Recording Date | Sep 30, 2025 |
| Property Address | 109 COOPER DR, STUARTS DRAFT, VA 24477-2921 |
| Document Number | 0250007005 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 250007005 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | FIDELITY NATIONAL TITLE INSU |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 COOPER DR, STUARTS DRAFT, VA 24477-2921 |
| Document Number | 0250007006 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 250007006 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
Source: Augusta County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Augusta County |
| Unified School District | Augusta County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,772.00 | $340,900 (-) Land $60,000 Building $280,900 | |
| 2025 | $340,900 (+55.52%) Land $60,000 Building $280,900 | ||
| 2024 | $340,900 (+55.52%) Land $60,000 Building $280,900 | ||
| 2023 | $1,380.00 | $219,200 Land $40,000 Building $179,200 | $219,200 Land $40,000 Building $179,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 28, 2022 · 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 | 4 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH RIVER SANITARY DISTRICT serves 26,083 people · EPA ID VA2015575 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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