109 Millstone St, Bridgewater, VA 22812 Property Records

Rockingham County property record for 109 Millstone St, Bridgewater, VA 22812 · Last verified June 2026

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,414 sqft · built 2019
Lot Size	0.295 acres (12,850 sqft)
Owner	Individual Name on File
Last Sale	$283,000 (Sep 2019)
Tax Bill	$2,146 (2026)
Deeds & Mortgages	Sep 2018 Construction Loan Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122E-(5)-L29`

Property Details

APN / Parcel Number

Primary APN	`122E-(5)-L29`
Alternative APNs	`R50769` `50769`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,414 sqft Total Area
Gross Area	3,882 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,850 sqft (0.295 acres)
Garage Type	Attached
Garage Area	396 sqft
Driveway	Paver Driveway
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R50769
Street Address	109 MILLSTONE ST
City	BRIDGEWATER
State	VA
Zip	22812-1049
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MILL VIEW ESTATES S2 L29
Legal Subdivision	MILL VIEW ESTATES
Jurisdiction	ROCKINGHAM VA
Township / Civil Division	ASHBY
Census Block Group	1
Census Block	1006
Census Tract	11500

Owner

Source: Rockingham County records · APN 122E-(5)-L29

Assessment roll updated June 8, 2026 · Last verified June 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 File
Mailing Address	109 MILLSTONE ST, BRIDGEWATER, VA 22812-1049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2018	Deed of Trust, Mortgage · Construction Mortgage FARMERS & MERCHANTS BANK
Sep 06, 2019	Deed, Transfer · Conventional Mortgage PARK VIEW FCU
Sep 06, 2019	Deed, Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 06, 2019 · Amount on Record
Deed Sale	Sep 06, 2019 · Amount on Record
Deed Document Number	201921963
Deed Book / Page	5156 / 743
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	109 MILLSTONE ST, BRIDGEWATER, VA 22812-1049
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5043/313
Date	Sep 13, 2018
Book Page	5043/313
Instrument	2018-00024749

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	BRIDGEWATER, VA 22812

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 13, 2019

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	Sep 06, 2019
Property Address	109 MILLSTONE ST, BRIDGEWATER, VA 22812-1049
Document Number	5156/743
Book / Page	5156 / 743
Map Reference	MB 4919 PG 353
Instrument Date	Aug 29, 2019
Instrument	2019-21963
Transaction Type	Transfer
Record Updated	Jun 08, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$283.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 MILLSTONE ST, BRIDGEWATER, VA 22812-1049

Mortgage

Document Number	201921964
Date	Sep 06, 2019
Instrument	2019-21964

Lender

Name	PARK VIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	Sep 06, 2019
Property Address	109 MILLSTONE ST, BRIDGEWATER, VA 22812-1049
Document Number	5156/743
Book / Page	5156 / 743
Map Reference	MB 4919 PG 353
Instrument Date	Aug 29, 2019
Instrument	2019-21963
Transaction Type	Transfer
Record Updated	Feb 06, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$283.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 MILLSTONE ST, BRIDGEWATER, VA 22812-1049

Mortgage

Document Number	201921964
Date	Sep 06, 2019
Instrument	2019-21964

Lender

Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

Tax Assessment & Valuation

Source: Rockingham County records · Assessment roll updated June 8, 2026 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,146.00	$325,200 Land $70,000 Building $255,200	$325,200 Land $70,000 Building $255,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rockingham County (51165C), updated April 13, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511650115001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	29 (1985–2023)
Claims Outside the SFHA	6 of 29
Most Recent Claim	Jul 2023, other causes
Claims By Storm	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 22 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 97 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Shenandoah Telecommunications Company	Fiber	8,000 / 8,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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