1537 First Rock Rd, Prospect, VA 23960 Property Records

Prince Edward County property record for 1537 First Rock Rd, Prospect, VA 23960 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2011
Lot Size	1.67 acres (72,745 sqft)
Owner	2 Individual Names on File
Tax Bill	$952 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2017 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`009 A 7A1`

Property Details

APN / Parcel Number

Primary APN	`009 A 7A1`
Alternative APN	`26330`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,400 sqft Living Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Construction Type	Frame
Lot Area	72,745 sqft (1.67 acres)

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	26330
Street Address	1537 FIRST ROCK RD
City	PROSPECT
State	VA
Zip	23960-7992
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALE-R S B TRACT #1
Legal Tract	1
Jurisdiction	PRINCE EDWARD VA
Township / Civil Division	601
Census Block Group	1
Census Block	1024
Census Tract	930202

Owner

Source: Prince Edward County records · APN 009 A 7A1

Assessment roll updated February 24, 2026 · Last verified June 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	1537 FIRST ROCK RD, PROSPECT, VA 23960-7992
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 07, 2022	Deed of Trust, Mortgage · Line of Credit BENCHMARK COMMUNITY BANK
Sep 18, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance BENCHMARK COMMUNITY BANK
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ALCOVA MORTGAGE LLC
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE LLC
Jan 30, 2019	Deed of Trust, Mortgage · Commercial Mortgage BENCHMARK COMMUNITY BANK

Assessor's Deed Record

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

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE EDWARD VA
Property Address	1537 FIRST ROCK RD, PROSPECT, VA 23960-7992
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202202481
Date	Dec 07, 2022
Instrument	202202481

Lender

Name	BENCHMARK COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 02, 2062

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE EDWARD VA
Property Address	1537 FIRST ROCK RD, PROSPECT, VA 23960-7992
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170001628
Date	Sep 18, 2017
Instrument	170001628

Lender

Name	BENCHMARK COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2047

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE EDWARD VA
Property Address	1537 FIRST ROCK RD, PROSPECT, VA 23960-7992
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202001764
Date	Sep 15, 2020
Instrument	202001764

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE EDWARD VA
Property Address	1537 FIRST ROCK RD, PROSPECT, VA 23960-7992
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190002129
Date	Nov 19, 2019
Instrument	190002129

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

Interest

Rate Type	Fixed Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE EDWARD VA
Property Address	1537 FIRST ROCK RD, PROSPECT, VA 23960-7992
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	BANKER TITLE LLC, BANKERS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190000132
Date	Jan 30, 2019
Instrument	190000132

Lender

Name	BENCHMARK COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 25, 2059

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Prince Edward County records · Assessment roll updated February 24, 2026 · Last verified June 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

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
2025	$952.00 (+7.45%)	$238,000 (+36.94%) Land $26,300 Building $211,700	$238,000 (+36.94%) Land $26,300 Building $211,700
2024	$886.00 (+6.24%)
2023	$834.00	$173,800 Land $19,000 Building $154,800	$173,800 Land $19,000 Building $154,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Prince Edward County (51147C), updated April 22, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Kinex Telecom	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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