12470 Side Saddle Ln, Ashland, VA 23005 Property Records

Hanover County property record for 12470 Side Saddle Ln, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 2017
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$332,115 (Feb 2017)
Tax Bill	$3,985 (2026)
Deeds & Mortgages	Feb 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`7779-76-4806`

Property Details

APN / Parcel Number

Primary APN	`7779-76-4806`
Alternative APN	`10191815`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,832 sqft Living Area
1st Floor Area	1,832 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	196 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	10191815
Street Address	12470 SIDE SADDLE LN
City	ASHLAND
State	VA
Zip	23005-7665
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LANCE AND BRIDLE LOT 19
Legal Subdivision	LANCE AND BRIDLE
Legal Lot Number	19
Jurisdiction	HANOVER VA
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1043
Census Tract	320602

Owner

12470 Side Saddle Ln is owned and occupied by an individual who bought it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	12470 SIDE SADDLE LN, ASHLAND, VA 23005-7665
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2017 · Amount on File
Deed Sale	Feb 3, 2017 · Amount on File
Deed Document Number	201715700
Deed Book / Page	3165 / 2134
Record Updated	Sep 20, 2026

February 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	HANOVER VA
Recording Date	Feb 3, 2017
Property Address	12470 SIDE SADDLE LN, ASHLAND, VA 23005-7665
Document Number	31652134
Book / Page	003165 / 002134
Instrument Date	Feb 2, 2017
Instrument	15700
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 15, 2017
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE

Transaction

Amount	Amount on Record
Tax	$332.12
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12470 SIDE SADDLE LN ASHLAND VA 230057665, ASHLAND, VA 23005-7665

Tax Assessment & Valuation

The 2026 property tax bill for 12470 Side Saddle Ln was $3,985.

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	$3,985.00	$492,000 Land $100,000 Building $392,000	$492,000 Land $100,000 Building $392,000

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

Flood

FEMA maps place 12470 Side Saddle Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	3 (2003–2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2018 · other causes

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 12470 Side Saddle Ln 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

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 296 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

May also be available: T-Mobile, Verizon.

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