12237 Ward Rd, King George, VA 22485 Property Records

King George County property record for 12237 Ward Rd, King George, VA 22485

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,688 sqft · built 1988
Lot Size	1.53 acres (66,690 sqft)
Owner	Individual Name on Record
Last Sale	$499,900 (Sep 2025)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Feb 2017 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16D-1-11`

Property Details

APN / Parcel Number

Primary APN	`16D-1-11`
Alternative APNs	`3540` `2290`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	6,384 sqft
1st Floor Area	4,032 sqft
Basement Area	1,344 sqft
Finished Basement	1,008 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	66,690 sqft (1.53 acres)
Terrain	Rolling
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	672 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2290
Street Address	12237 WARD RD
City	KING GEORGE
State	VA
Zip	22485-5417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	PEPPERMILL ESTATES SUBD LOT 11 1.531 A
Legal Subdivision	PEPPERMILL ESTATES
Legal Lot Number	11
Jurisdiction	KING GEORGE VA
Township / Civil Division	JAMES MONROE
Census Block Group	3
Census Block	3001
Census Tract	40200

Owner

Source: King George County records, as of August 18, 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	12237 WARD RD, KING GEORGE, VA 22485-5417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage UNION BANK & TRUST
Feb 6, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance UNION BANK & TRUST
Sep 18, 2025	Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC
Jul 21, 2026	Deed of Trust, Mortgage · VA Mortgage KIND LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2025 · Amount on Record
Deed Sale	Sep 18, 2025 · Amount on Record
Prior Sale	Jan 8, 2025 · Amount on Record
Deed Document Number	20252669
Prior Transfer Date	Oct 17, 2016
Prior Transfer Doc	0000059760
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING GEORGE VA
Property Address	12237 WARD RD, KING GEORGE, VA 22485-5417
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180045170
Date	Aug 2, 2018
Instrument	180045170

Lender

Name	UNION BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING GEORGE VA
Property Address	12237 WARD RD, KING GEORGE, VA 22485-5417
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20170206000007310
Date	Feb 6, 2017
Instrument	20170206000007310

Lender

Name	UNION BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KING GEORGE VA
Recording Date	Sep 18, 2025
Property Address	12237 WARD RD, KING GEORGE, VA 22485-5417
Document Number	0250002669
Map Reference	MB 12 PG 43
Instrument Date	Sep 16, 2025
Instrument	250002669
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12237 WARD RD, KING GEORGE, VA 22485-5417

Mortgage

Document Number	0250002670
Date	Sep 18, 2025
Instrument	250002670

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KING GEORGE VA
Recording Date	Jul 21, 2026
Property Address	12237 WARD RD, KING GEORGE, VA 22485-5417
Document Number	0000002212
Instrument Date	Sep 16, 2025
Instrument	20262212
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 GIRARD AVE, 311, NEWPORT, RI 02840-1167

Mortgage

Document Number	0000002212,
Date	Jul 21, 2026
Instrument	20262212

Lender

Name	KIND LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate	6.58%
Max Rate	-1%

Tax Assessment & Valuation

Source: King George County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	King George County
Unified School District	King George County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$502,600 (+23.46%) Land $75,300 Building $427,300	$502,600 (+23.46%) Land $75,300 Building $427,300
2025	$2,768.00	$407,100 (-) Land $65,300 Building $341,800
2024	$2,768.00
2023	$2,768.00	$407,100 Land $65,300 Building $341,800	$407,100 (-) Land $65,300 Building $341,800
2021			$407,100 Land $65,300 Building $341,800

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, effective December 1, 2021 · 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	3 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KING GEORGE CO. COURTHOUSE serves 3,985 people · EPA ID VA6099050
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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