165 Pine Tree Rd, Center Cross, VA 22437 Property Records

Essex County property record for 165 Pine Tree Rd, Center Cross, VA 22437

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 981 sqft · built 1979
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$259,000 (Dec 2025)
Tax Bill	$884 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`54-B-7-8B`

Property Details

APN / Parcel Number

Primary APN	`54-B-7-8B`
Alternative APN	`2977`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	981 sqft Living Area
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1999
Exterior Material	Aluminum Siding
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	75 sqft
Deck Area	Deck Area
Shed	1 Shed
Storage Building	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Other
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	2977
Street Address	165 PINE TREE RD
City	CENTER CROSS
State	VA
Zip	22437-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	RIVER OAKS LOT 8B
Legal Subdivision	I RIVER OAKS
Legal Lot Number	8B
Jurisdiction	ESSEX VA
Township / Civil Division	SOUTH
Census Block Group	1
Census Block	1023
Census Tract	950800

Owner

165 Pine Tree Rd is owned by two individuals who bought it in December 2025.

Source: Essex County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15521 TOREAD DIDD LN, BEAVERDAM, VA 23015-1797
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Feb 12, 2018	Deed of Trust, Mortgage · Commercial Mortgage SONABANK
Dec 16, 2025	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Apr 14, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on File
Deed Sale	Dec 16, 2025 · Amount on File
Prior Sale	Apr 14, 2023 · Amount on File
Deed Document Number	20251569
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	165 PINE TREE RD, CENTER CROSS, VA 22437-2007
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000133
Date	Feb 12, 2018
Instrument	180000133

Lender

Name	SONABANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX VA
Recording Date	Dec 16, 2025
Property Address	165 PINE TREE RD, CENTER CROSS, VA 22437-2007
Document Number	0250001569
Instrument Date	Dec 9, 2025
Instrument	250001569
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15521 TOREAL DIDD LN, BEAVERDAM, VA 23015-1797

Mortgage

Document Number	0250001570
Date	Dec 16, 2025
Instrument	250001570

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX VA
Recording Date	Apr 14, 2023
Property Address	165 PINE TREE RD, CENTER CROSS, VA 22437-2007
Document Number	0230000429
Instrument Date	Apr 7, 2023
Instrument	230000429
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	347 MARINA DR, CENTER CROSS, VA 22437-2010
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 165 Pine Tree Rd was $884.

Source: Essex County assessment roll, as of October 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$884.00	$160,900 (-) Land $31,500 Building $129,400	$160,900 (-) Land $31,500 Building $129,400
2025	$884.00	$160,900 Land $31,500 Building $129,400	$160,900 Land $31,500 Building $129,400
2023	$976.00	$133,750 Land $31,350 Building $102,400	$133,750 Land $31,350 Building $102,400

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

Flood

FEMA maps place 165 Pine Tree Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective October 20, 2021 · 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	8 in force
Nearby Flood Claims	9 (2003–2020)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Aug 2020 · other causes
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 2 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

Wildfire risk around 165 Pine Tree Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VA AMERICAN SOUTH HILL BANKS private · serves 183 people · EPA ID VA4057750
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

4G LTE (outdoors only), no 5G reported

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