12475 Old Ridge Rd, Doswell, VA 23047 Property Records

Hanover County property record for 12475 Old Ridge Rd, Doswell, VA 23047

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,224 sqft · built 1977
Lot Size	6.29 acres (274,384 sqft)
Owner	Individual Name on Record
Tax Bill	$5,265 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7863-33-5440`

Property Details

APN / Parcel Number

Primary APN	`7863-33-5440`
Alternative APN	`10164213`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,224 sqft Living Area
Gross Area	3,120 sqft
1st Floor Area	2,602 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Tri-Level
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	274,384 sqft (6.29 acres)
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	800 sqft
Porch	Patio
Porch Area	428 sqft
Deck Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10164213
Street Address	12475 OLD RIDGE RD
City	DOSWELL
State	VA
Zip	23047-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	S OF RT 685, W OF RT 738
Legal Lot Number	1
Jurisdiction	HANOVER VA
Township / Civil Division	BEAVERDAM
Census Block Group	2
Census Block	2028
Census Tract	320100

Owner

Source: Hanover County records, as of June 4, 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	12475 OLD RIDGE RD, DOSWELL, VA 23047-1713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Aug 3, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FEDERAL CREDIT UNION
Oct 16, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	12475 OLD RIDGE RD, DOSWELL, VA 23047-1713
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12475 OLD RIDGE RD, DOSWELL, VA 23047-1713

Mortgage

Document Number	0003430646
Date	Oct 28, 2025
Book Page	3430/646
Instrument	20251028000111530

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	ASHLAND, VA 23005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	12475 OLD RIDGE RD, DOSWELL, VA 23047-1713
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003380791
Date	Aug 3, 2023
Book Page	3380/791
Instrument	20230803000070220

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2028
Change Frequency	5 Years
Margin	2

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	12475 OLD RIDGE RD, DOSWELL, VA 23047-1713
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032791625
Date	Oct 16, 2020
Book Page	3279/1625
Instrument	20201016000185060

Lender

Name	TRUIST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$5,265.00	$650,100 Land $108,100 Building $542,000	$650,100 Land $108,100 Building $542,000

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 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	2 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2015 · rainfall accumulation

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	0.01% annual chance
Exposure	Direct burnable vegetation

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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