128 Waterfront Dr, Raphine, VA 24472 Property Records

Rockbridge County property record for 128 Waterfront Dr, Raphine, VA 24472

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,102 sqft · built 2015
Lot Size	0.685 acres (29,839 sqft)
Owner	2 Individual Names on Record
Last Sale	$381,000 (Jul 2021)
Tax Bill	$2,453 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Jul 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28 9 6`

Property Details

APN / Parcel Number

Primary APN	`28 9 6`
Alternative APN	`18861`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,102 sqft Living Area
Gross Area	5,628 sqft
1st Floor Area	2,102 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,839 sqft (0.685 acres)
Terrain	Rolling
Garage Area	495 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	185 sqft
Patio Area	528 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	18861
Street Address	128 WATERFRONT DR
City	RAPHINE
State	VA
Zip	24472-2545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	WILLOW LAKE PHASE 1 LOT 6
Legal Subdivision	WILLOW LAKE SUBDIVISION
Legal Phase	1
Legal Lot Number	6
Jurisdiction	ROCKBRIDGE VA
Township / Civil Division	SOUTH RIVER
Census Block Group	3
Census Block	3064
Census Tract	930102

Owner

Source: Rockbridge County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DUPONT COMMUNITY CU
Jul 12, 2021	Deed, Transfer · VA Mortgage TOWNEBANK MORTGAGE
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Jun 11, 2019	Deed, Transfer · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Jun 11, 2019	Deed, Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	Jun 11, 2019 · Amount on Record
Deed Document Number	20212748
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250002753
Date	Nov 21, 2025
Instrument	250002753

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union
Address	RAPHINE, VA 24472

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	421 Months
Due	Nov 30, 2060

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jul 12, 2021
Property Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545
Document Number	210002748
Map Reference	CAB 3 SL 784
Instrument Date	Jun 8, 2021
Instrument	210002748
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$381.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545

Mortgage

Document Number	210002749
Date	Jul 12, 2021
Instrument	210002749

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001739
Date	Jun 22, 2020
Instrument	200001739

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001739
Date	Jun 22, 2020
Instrument	200001739

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jun 11, 2019
Property Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545
Document Number	190001437
Map Reference	CAB 3 PG 784
Instrument Date	May 17, 2019
Instrument	190001437
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545

Mortgage

Document Number	190001438
Date	Jun 11, 2019
Instrument	190001438

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jun 11, 2019
Property Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545
Document Number	190001437
Map Reference	CAB 3 SL 784
Instrument Date	May 17, 2019
Instrument	190001437
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	128 WATERFRONT DR, RAPHINE, VA 24472-2545

Mortgage

Document Number	190001438
Date	Jun 11, 2019
Instrument	190001438

Lender

Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Rockbridge County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,453.00	$383,300 (-) Land $65,000 Building $318,300	$383,300 (-) Land $65,000 Building $318,300
2025		$383,300 (-) Land $65,000 Building $318,300	$383,300 (-) Land $65,000 Building $318,300
2023		$383,300 Land $65,000 Building $318,300	$383,300 Land $65,000 Building $318,300

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 August 7, 2006 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	Moderate above 58% of the US · above 87% of Virginia
Wildfire Likelihood	0.1% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BARC Connects Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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