158 Waterfront Dr, Raphine, VA 24472 Property Records

Rockbridge County property record for 158 Waterfront Dr, Raphine, VA 24472

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,210 sqft · built 2012
Lot Size	0.722 acres (31,450 sqft)
Owner	2 Individual Names on File
Last Sale	$268,500 (Oct 2014)
Tax Bill	$2,404 (2026)
Deeds & Mortgages	Mar 2019 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28 9 3`

Property Details

APN / Parcel Number

Primary APN	`28 9 3`
Alternative APN	`18858`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,210 sqft Living Area
Gross Area	3,448 sqft
1st Floor Area	1,968 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,450 sqft (0.722 acres)
Garage Area	484 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	384 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	18858
Street Address	158 WATERFRONT DR
City	RAPHINE
State	VA
Zip	24472-2545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	WILLOW LAKE PHASE 1 LOT 3
Legal Subdivision	WILLOW LAKE SUBDIVISION
Legal Phase	1
Legal Lot Number	3
Jurisdiction	ROCKBRIDGE VA
Township / Civil Division	SOUTH RIVER
Census Block Group	3
Census Block	3064
Census Tract	930102

Owner

158 Waterfront Dr is owned and occupied by two individuals who bought it in October 2014.

Source: Rockbridge County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	158 WATERFRONT DR, RAPHINE, VA 24472-2545
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Sep 30, 2019	Deed of Trust, Mortgage · Commercial Mortgage BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2014 · Amount on File
Deed Sale	Oct 30, 2014 · Amount on File
Deed Document Number	20142743
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	158 WATERFRONT DR, RAPHINE, VA 24472-2545
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190000569
Date	Mar 14, 2019
Instrument	190000569

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	RICHMOND, VA 23219

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	158 WATERFRONT DR, RAPHINE, VA 24472-2545
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190002709
Date	Sep 30, 2019
Instrument	190002709

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 158 Waterfront Dr was $2,404.

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	$2,404.00	$375,600 (-) Land $65,000 Building $310,600	$375,600 (-) Land $65,000 Building $310,600
2025		$375,600 Land $65,000 Building $310,600	$375,600 Land $65,000 Building $310,600
2023		$375,600 Land $65,000 Building $310,600	$375,600 Land $65,000 Building $310,600

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

Flood

FEMA maps place 158 Waterfront Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 158 Waterfront Dr is moderate, ranking above 58% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 58% of the US · above 87% of Virginia
Wildfire Likelihood	0.1% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BARC Connects Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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