121 Elm St, Ashland, VA 23005 Property Records

Hanover County property record for 121 Elm St, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,156 sqft · built 1945
Lot Size	0.261 acres (11,369 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Sep 2018)
Tax Bill	$1,534 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Apr 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7870-75-1111`

Property Details

APN / Parcel Number

Primary APN	`7870-75-1111`
Alternative APN	`10196313`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,156 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	11,369 sqft (0.261 acres)
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10196313
Street Address	121 ELM ST
City	ASHLAND
State	VA
Zip	23005-1232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	NORTH ASHLAND BLK E
Legal Subdivision	NORTH ASHLAND
Legal Block	E
Jurisdiction	HANOVER VA
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1012
Census Tract	320601

Owner

121 Elm St is owned and occupied by an individual who bought it in September 2018.

Source: Hanover County records, as of June 4, 2026

Owner of Record	Individual Name on File
Mailing Address	121 ELM ST, ASHLAND, VA 23005-1232
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Apr 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC UNION BANK
May 26, 2020	Deed of Trust, Mortgage · Commercial Mortgage ATLANTIC UNION BANK
Sep 17, 2018	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Mar 13, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2018 · Amount on File
Deed Sale	Sep 17, 2018 · Amount on File
Prior Sale	Mar 13, 2017 · Amount on File
Deed Document Number	2018112830
Deed Book / Page	3208 / 2357
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	121 ELM ST, ASHLAND, VA 23005-1232
Transaction Type	Mortgage
Record Updated	Aug 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003379417
Date	Jul 17, 2023
Book Page	3379/417
Instrument	20230717000063880

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2053

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	121 ELM ST, ASHLAND, VA 23005-1232
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033072562
Date	Apr 21, 2021
Book Page	3307/2562
Instrument	20210421000088060

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	121 ELM ST, ASHLAND, VA 23005-1232
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032582938
Date	May 26, 2020
Book Page	3258/2938
Instrument	20200526000078080

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANOVER VA
Recording Date	Sep 17, 2018
Property Address	121 ELM ST, ASHLAND, VA 23005-1232
Document Number	32082357
Book / Page	3208 / 2357
Instrument Date	Aug 31, 2018
Instrument	20180917000112830
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount 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
Address	121 ELM ST, ASHLAND, VA 23005-1232

Mortgage

Document Number	20180917000112840
Date	Sep 17, 2018
Instrument	20180917000112840

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HANOVER VA
Recording Date	Mar 13, 2017
Property Address	121 ELM ST, ASHLAND, VA 23005-1232
Document Number	31673393
Book / Page	003167 / 003393
Instrument Date	Oct 21, 2016
Instrument	31230
Transaction Type	Transfer
Record Updated	Mar 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$75.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2406 POATES DR HENRICO VA 232283025, HENRICO, VA 23228-3025

Tax Assessment & Valuation

The 2026 property tax bill for 121 Elm St was $1,534.

Source: Hanover County assessment roll, as of June 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,534.00	$189,400 Land $76,200 Building $113,200	$189,400 Land $76,200 Building $113,200

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

Flood

FEMA maps place 121 Elm St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.

Source: FEMA National Flood Hazard Layer, effective January 29, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2012–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2018 · river or lake flooding

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

Wildfire risk around 121 Elm St is low, with a 0.01% annual chance of 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	0.01% 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	HANOVER SUBURBAN WATER SYSTEM serves 57,931 people · EPA ID VA4085398
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) 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. 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures