12185 Cheroy Rd, Ashland, VA 23005 Property Records

Hanover County property record for 12185 Cheroy Rd, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1969
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$289,900 (Oct 2022)
Tax Bill	$2,519 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7789-63-2813`

Property Details

APN / Parcel Number

Primary APN	`7789-63-2813`
Alternative APN	`10197986`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10197986
Street Address	12185 CHEROY RD
City	ASHLAND
State	VA
Zip	23005-7924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	12100 BLK CHEROY ROAD
Jurisdiction	HANOVER VA
Township / Civil Division	BEAVERDAM
Census Block Group	1
Census Block	1001
Census Tract	320801

Owner

12185 Cheroy Rd is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	12185 CHEROY RD, ASHLAND, VA 23005-7924
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
Oct 28, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Mar 13, 2017	Grant Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2022 · Amount on File
Deed Sale	Oct 28, 2022 · Amount on File
Prior Sale	Mar 13, 2017 · Amount on File
Deed Document Number	2022147610
Deed Book / Page	3365 / 1485
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANOVER VA
Recording Date	Oct 28, 2022
Property Address	12185 CHEROY RD, ASHLAND, VA 23005-7924
Document Number	0033651485
Book / Page	3365 / 1485
Instrument Date	Oct 13, 2022
Instrument	20221028000147610
Transaction Type	Transfer
Record Updated	Jun 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	12185 CHEROY RD, ASHLAND, VA 23005-7924

Mortgage

Document Number	20221028000147620
Date	Oct 28, 2022
Instrument	20221028000147620

Lender

Name	JPMORGAN CHASE BANK NA

Agreement

Type	Stand-Alone First 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	12185 CHEROY RD, ASHLAND, VA 23005-7924
Document Number	31673425
Book / Page	003167 / 003425
Instrument Date	Feb 22, 2017
Instrument	31280
Transaction Type	Transfer
Record Updated	Mar 21, 2017
Title Company	ATLANTIC COAST SETTLEMENT SERVICES, ATLANTIC COAST SETTLEMENT SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12185 CHEROY RD ASHLAND VA 230057924, ASHLAND, VA 23005-7924

Mortgage

Document Number	31673428
Date	Mar 13, 2017
Book Page	003167/003428
Instrument	31290

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 12185 Cheroy Rd was $2,519.

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

Property Jurisdictions

Type	Name
State	Virginia
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	$2,519.00	$311,000 Land $100,000 Building $211,000	$311,000 Land $100,000 Building $211,000

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

Flood

FEMA maps place 12185 Cheroy Rd in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	5 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

Wildfire risk around 12185 Cheroy Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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