146 Cherokee Rd, Tappahannock, VA 22560 Property Records

Essex County property record for 146 Cherokee Rd, Tappahannock, VA 22560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 2002
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,053 (2026)
Deeds & Mortgages	Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`49-C-1-13`

Property Details

APN / Parcel Number

Primary APN	`49-C-1-13`
Alternative APN	`3282`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Flooring	Carpet

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,394 sqft (0.56 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Other
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	3282
Street Address	146 CHEROKEE RD
City	TAPPAHANNOCK
State	VA
Zip	22560-4931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	MILLERS SQUARE LOT 13
Legal Subdivision	MILLERS SQUARE SD
Legal Lot Number	13
Jurisdiction	ESSEX VA
Township / Civil Division	SOUTH
Census Block Group	2
Census Block	2039
Census Tract	950800

Owner

Source: Essex County assessment roll, APN 49-C-1-13, as of October 6, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	146 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	146 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000685
Date	Apr 21, 2021
Instrument	210000685

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2036

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Essex County assessment roll as of October 6, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,053.00	$191,500 (-) Land $26,200 Building $165,300	$191,500 (-) Land $26,200 Building $165,300
2025	$1,053.00 (-0.47%)	$191,500 (+32.07%) Land $26,200 Building $165,300	$191,500 (+32.07%) Land $26,200 Building $165,300
2023	$1,058.00	$145,000 Land $20,000 Building $125,000	$145,000 Land $20,000 Building $125,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Essex County (51057C), as of October 20, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510579508002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	44 (1985–2015)
Claims Outside the SFHA	13 of 44
Most Recent Claim	Oct 2015 · river or lake flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 17 claims Hurricane Isabel, Sep 2003 · 17 claims Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 3 claims

Wildfire

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
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, 37 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Wilkes Telephone Membership.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system VA4057568, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MILLERS SQUARE private · serves 60 people
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.