155 Mc Cray Ln, Middlebrook, VA 24459 Property Records

Rockbridge County property record for 155 Mc Cray Ln, Middlebrook, VA 24459

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,314 sqft · built 1980
Lot Size	20.2 acres (880,783 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Aug 2022)
Tax Bill	$3,969 (2026)
Deeds & Mortgages	Oct 2018 Line of Credit Jan 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15 1 1`

Property Details

APN / Parcel Number

Primary APN	`15 1 1`
Alternative APN	`1173`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,314 sqft Living Area
Gross Area	5,584 sqft
1st Floor Area	1,728 sqft
Basement Area	1,464 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	880,783 sqft (20.2 acres)
Terrain	Rolling
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	304 sqft
Stable	1,792 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1173
Street Address	155 MC CRAY LN
City	MIDDLEBROOK
State	VA
Zip	24459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-2
Legal Description	W C N MT 602
Jurisdiction	ROCKBRIDGE VA
Township / Civil Division	WALKERS CREEK
Census Block Group	1
Census Block	1028
Census Tract	930200

Owner

Source: Rockbridge County records, as of October 13, 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 Record
Mailing Address	1223 N LEE HWY, LEXINGTON, VA 24450-3307
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2018	Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK NA
Jan 7, 2021	Gift Deed, Transfer
May 4, 2018	Deed, Transfer · Conventional Mortgage FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU
May 4, 2018	Deed, Transfer · Conventional Mortgage NETWORK FUNDING LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	May 4, 2018 · Amount on Record
Deed Document Number	20222741
Deed Book / Page	84
Prior Transfer Date	Jan 7, 2021
Prior Transfer Doc	0000000048
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	155 MC CRAY LN, MIDDLEBROOK, VA 24459
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180002819
Date	Oct 5, 2018
Instrument	180002819

Lender

Name	CORNERSTONE BANK NA
Type	Bank
Address	LEXINGTON, VA 24450

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jan 7, 2021
Property Address	155 MC CRAY LN, MIDDLEBROOK, VA 24459
Document Number	210000048
Map Reference	CAB 4 SL 1070
Instrument Date	Jan 4, 2021
Instrument	210000048
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 E MARKET ST STE 101, 101, CHARLOTTESVILLE, VA 22902-5381

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	May 4, 2018
Property Address	155 MC CRAY LN, MIDDLEBROOK, VA 24459
Document Number	180001157
Instrument Date	Apr 18, 2018
Instrument	180001157
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 MC CRAY LN, MIDDLEBROOK, VA 24459

Mortgage

Document Number	180001158
Date	May 4, 2018
Instrument	180001158

Lender

Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate	4.62%

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	May 4, 2018
Property Address	155 MC CRAY LN, MIDDLEBROOK, VA 24459
Document Number	180001157
Instrument Date	Apr 18, 2018
Instrument	180001157
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 MC CRAY LN, MIDDLEBROOK, VA 24459

Mortgage

Document Number	180001158
Date	May 4, 2018
Instrument	180001158

Lender

Name	NETWORK FUNDING LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate	4.62%

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	$3,969.00	$620,200 (-) Land $219,900 Building $400,300	$620,200 (-) Land $219,900 Building $400,300
2025	$3,969.00	$620,200 (-) Land $219,900 Building $400,300	$620,200 (-) Land $219,900 Building $400,300
2023		$620,200 Land $219,900 Building $400,300	$620,200 Land $219,900 Building $400,300

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	52 (1992–2018)
Claims Outside the SFHA	2 of 52
Most Recent Claim	Apr 2018 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 31 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 6 claims Severe Storms And Flooding, Jun 1995 · 5 claims

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 48% of the US · above 76% of Virginia
Wildfire Likelihood	0.09% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BARC Connects Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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