109 E Cary St, Richmond, VA 23219 Property Records

Richmond City property record for 109 E Cary St, Richmond, VA 23219

Property Summary

Property Type	Professional Building (Legal, Insurance, Real Estate, Business)
Details	7,408 sqft · built 1923
Lot Size	0.181 acres (7,884 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Feb 1998)
Tax Bill	$12,948 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2019 Mortgage
APN	`W-000-0060-005`

Property Details

APN / Parcel Number

Primary APN	`W-000-0060-005`

Interior

Stories	2 Stories
Building Area	7,408 sqft Total Area
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1985
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	7,884 sqft (0.181 acres)
Lot Dimensions	156 ft deep x 50 ft wide

Location & Zoning

Street Address	109 E CARY ST
City	RICHMOND
State	VA
Zip	23219-3734
Property Category	Commercial
Property Type	Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business)
Local Zoning Code	B-3 GENERA
Legal Description	0050.41X0156.00 0000.000
Jurisdiction	RICHMOND CITY VA
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1017
Census Tract	30501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Monroe Ward (Additional Documentation) listed 2000 · 99 contributing resources · NRIS 99001717

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Richmond City records, as of August 10, 2026

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

Owner of Record	Company Name on Record
Mailing Address	109 E CARY ST, RICHMOND, VA 23219-3734
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage ATLANTIC UNION BANK
Feb 27, 2019	Deed of Trust, Mortgage SILVER HILL FNDG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 1998 · Amount on Record
Deed Sale	Feb 25, 1998 · Amount on Record
Deed Book / Page	4800 / 436
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND CITY VA
Property Address	109 E CARY ST, RICHMOND, VA 23219-3742
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010295
Date	Apr 29, 2022
Instrument	220010295

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND CITY VA
Property Address	109 E CARY ST, RICHMOND, VA 23219-3742
Document Number	0000003845
Instrument Date	Feb 27, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	109 E CARY ST RICHMOND VA 232193742, RICHMOND, VA 23219-3742

Mortgage

Document Number	0000003845
Date	Mar 1, 2019
Instrument	3845

Lender

Name	SILVER HILL FNDG LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Richmond City assessment roll, as of August 10, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Richmond City
Unified School District	Richmond City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,948.00 (+4.05%)	$1,079,000 (+4.05%) Land $455,000 Building $624,000	$1,079,000 (+4.05%) Land $455,000 Building $624,000
2025	$12,444.00 (+62,12%)
2024		$1,037,000 Land $413,000 Building $624,000
2023			$1,037,000 Land $413,000 Building $624,000
2020	$20.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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	Not rated no burnable land within ember reach

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	CITY OF RICHMOND serves 233,655 people · EPA ID VA4760100
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Jul 2020
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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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