Henry County property record for 145 Elam Dr, Ridgeway, VA 24148
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 672 sqft · built 1944 |
| Lot Size | 0.39 acres (16,905 sqft) |
| Owner | Individual Name on File |
| Last Sale | $18,000 (Feb 2013) |
| Tax Bill | $163 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054920000 |
| Primary APN | 054920000 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Building Area | 672 sqft Living Area |
| Basement Area | 392 sqft |
| Unfinished Basement | 392 sqft |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Lot Area | 16,905 sqft (0.39 acres) |
| Street Address | 145 ELAM DR |
|---|---|
| City | RIDGEWAY |
| State | VA |
| Zip | 24148-3376 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Description | ARLINGTON HGTS ELLAM DR LOT 10 |
| Legal Subdivision | ARLINGTON HGT |
| Legal Lot Number | 10 |
| Jurisdiction | HENRY VA |
| Township / Civil Division | RIDGEWAY |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 10602 |
145 Elam Dr is owned and occupied by an individual who acquired it in June 2022.
Source: Henry County records, as of April 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 145 ELAM DR, RIDGEWAY, VA 24148-3376 |
| 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.
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING |
| Dec 29, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING LLC |
| Oct 27, 2022 | Gift Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2013 · Amount on File |
| Deed Sale | Feb 4, 2013 · Amount on File |
| Prior Sale | Feb 16, 2010 · Amount on File |
| Deed Book / Page | 1300 / 523 |
| Last Transfer Date | Jun 22, 2022 |
| Transfer Doc | 0000004462 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRY VA |
| Property Address | 145 ELAM DR, RIDGEWAY, VA 24148-3376 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 145 ELAM DR, RIDGEWAY, VA 24148-3376 |
| Document Number | 0260000900 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 260000900 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | SANTA ANA, CA 92707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Margin | 2 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRY VA |
| Property Address | 145 ELAM DR, RIDGEWAY, VA 24148-3376 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0230004796 |
|---|---|
| Date | Dec 29, 2023 |
| Instrument | 230004796 |
| Name | NEW AMERICAN FUNDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jan 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.25% |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | HENRY VA |
| Recording Date | Oct 27, 2022 |
| Property Address | 145 ELAM DR, RIDGEWAY, VA 24148-3376 |
| Document Number | 0220004462 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 220004462 |
| Transaction Type | Transfer |
| Record Updated | Nov 29, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 145 Elam Dr was $163.
Source: Henry County assessment roll, as of October 9, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Henry County |
| Unified School District | Henry County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $163.00 | $29,400 Land $6,000 Building $23,400 | |
| 2023 | $163.00 | $29,400 Land $6,000 Building $23,400 | $29,400 Land $6,000 Building $23,400 |
| 2021 | $29,400 Land $6,000 Building $23,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 145 Elam Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · 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 |
| Nearby Flood Claims | 11 (1996–2020) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Feb 2020 · 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 risk around 145 Elam Dr 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | UPPER SMITH RIVER WATER SUPPLY serves 29,721 people · EPA ID VA5089852 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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