1413 First Rock Rd, Prospect, VA 23960 Property Records

Prince Edward County property record for 1413 First Rock Rd, Prospect, VA 23960

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,538 sqft · built 1917
Lot Size	3 acres (131,028 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Jan 2026)
Tax Bill	$309 (2025)
Deeds & Mortgages	Jan 2018 Second Mortgage Oct 2008 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`009 A 8A`

Property Details

APN / Parcel Number

Primary APN	`009 A 8A`
Alternative APN	`15311`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,538 sqft Living Area

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Construction Type	Frame
Lot Area	131,028 sqft (3 acres)

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	15311
Street Address	1413 FIRST ROCK RD
City	PROSPECT
State	VA
Zip	23960-7960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GILLS
Legal Subdivision	PROSPECT DISTRICT
Jurisdiction	PRINCE EDWARD VA
Township / Civil Division	601
Census Block Group	1
Census Block	1024
Census Tract	930202

Owner

1413 First Rock Rd is owned and occupied by two individuals who bought it in January 2026.

Source: Prince Edward County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1413 FIRST ROCK RD, PROSPECT, VA 23960-7960
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jan 9, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Oct 31, 2008	Deed of Trust, Mortgage THE BANK OF CHARLOTTE COU
Jan 14, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 27, 2024	Warranty Deed, Transfer TITLE ALLIANCE/AZ LLC, TITLE ALLIANCE OF VA LLC
Oct 31, 2023	Warranty Deed, Transfer LEGACYHOUSE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2026 · Amount on File
Deed Sale	Jan 14, 2026 · Amount on File
Prior Sale	Feb 27, 2024 · Amount on File
Deed Document Number	202668
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE EDWARD VA
Property Address	1413 FIRST ROCK RD, PROSPECT, VA 23960-7960
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	TITLE SOURCES INC, TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000044
Date	Jan 9, 2018
Instrument	180000044

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate

October 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE EDWARD VA
Property Address	1413 FIRST ROCK RD, PROSPECT, VA 23960-7960
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02008/2755
Date	Oct 31, 2008
Book Page	2008/2755

Lender

Name	THE BANK OF CHARLOTTE COU

Agreement

Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	PRINCE EDWARD VA
Recording Date	Jan 14, 2026
Property Address	1413 FIRST ROCK RD, PROSPECT, VA 23960-7960
Document Number	0202600068
Instrument Date	Sep 18, 2025
Instrument	202600068
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	FIRST TITLE COMPANY, FIRST TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
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	1413 FIRST ROCK RD, PROSPECT, VA 23960-7960

Mortgage

Document Number	0202600069
Date	Jan 14, 2026
Instrument	202600069

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PRINCE EDWARD VA
Recording Date	Feb 27, 2024
Property Address	1413 FIRST ROCK RD, PROSPECT, VA 23960-7960
Document Number	0202400278
Instrument Date	Feb 22, 2024
Instrument	202400278
Transaction Type	Transfer
Record Updated	Mar 21, 2024
Title Company	TITLE ALLIANCE/AZ LLC, TITLE ALLIANCE OF VA LLC

Transaction

Amount	Amount 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	11337 WILLOWCREST CT, CHESTERFIELD, VA 23832-2703

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PRINCE EDWARD VA
Recording Date	Oct 31, 2023
Property Address	1413 FIRST ROCK RD, PROSPECT, VA 23960-7960
Document Number	0202301621
Instrument Date	Oct 30, 2023
Instrument	202301621
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount 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	14420 ALBEMARLE POINT PL STE 150, 150, CHANTILLY, VA 20151-1690
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1413 First Rock Rd was $309, down 30.2% from the year before.

Source: Prince Edward County assessment roll, as of February 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$309.00 (-30.25%)	$77,300 (-11.15%) Land $25,000 Building $52,300	$77,300 (-11.15%) Land $25,000 Building $52,300
2024	$443.00 (+6.24%)	$87,000 (-) Land $18,000 Building $69,000	$87,000 (-) Land $18,000 Building $69,000
2023	$417.00	$87,000 (-) Land $18,000 Building $69,000	$87,000 (-) Land $18,000 Building $69,000
2022		$87,000 Land $18,000 Building $69,000	$87,000 Land $18,000 Building $69,000
2021	$417.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1413 First Rock Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 22, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1413 First Rock Rd is low, with a 0.02% 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	0.02% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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