173 Shell Ct, Urbanna, VA 23175 Property Records

Middlesex County property record for 173 Shell Ct, Urbanna, VA 23175

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,167 sqft · built 2017
Lot Size	6.08 acres (264,845 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,700,000 (May 2022)
Tax Bill	$1,366 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Jul 2017 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19 19 6`

Property Details

APN / Parcel Number

Primary APN	`19 19 6`
Alternative APN	`11085`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,167 sqft Living Area
Gross Area	4,977 sqft
1st Floor Area	1,894 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2020
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	264,845 sqft (6.08 acres)
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	442 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11085
Street Address	173 SHELL CT
City	URBANNA
State	VA
Zip	23175-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	CEDAR POINTE LOT 6 6.08 AC. SEC.II DB218-494 P11-161 163 D282-844 D282-246 07-246 D14-1157 D15-1457
Legal Subdivision	CEDAR POINTE
Legal Lot Number	6
Jurisdiction	MIDDLESEX VA
Township / Civil Division	SALUDA
Census Block Group	3
Census Block	3020
Census Tract	951000

Owner

Source: Middlesex County records, as of August 18, 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	103 KENNONDALE LN, RICHMOND, VA 23226-2310
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2017	Deed of Trust, Mortgage · ARM CHESAPEAKE BANK
Jul 14, 2017	Deed of Trust, Mortgage · Stand-Alone Refinance CHESAPEAKE BANK
Jun 28, 2019	Warranty Deed, Transfer · ARM RAYMOND JAMES BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	20221043
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	173 SHELL CT, URBANNA, VA 23175-2122
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170001065
Date	Jul 14, 2017
Instrument	170001065

Lender

Name	CHESAPEAKE BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	173 SHELL CT, URBANNA, VA 23175-2122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170001064
Date	Jul 14, 2017
Instrument	170001064

Lender

Name	CHESAPEAKE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.13%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Jun 28, 2019
Property Address	173 SHELL CT, URBANNA, VA 23175-2122
Document Number	190000944
Instrument Date	Jun 7, 2019
Instrument	190000944
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	PO BOX 585, URBANNA, VA 23175-0585

Mortgage

Document Number	190000945
Date	Jun 28, 2019
Instrument	190000945

Lender

Name	RAYMOND JAMES BANK NA

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County assessment roll, as of May 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,366.00 (-82.11%)	$224,000 (-82.11%) Land $224,000	$224,000 (-82.11%) Land $224,000
2025	$7,636.00	$1,251,900 (-) Land $463,600 Building $788,300	$1,251,900 (-) Land $463,600 Building $788,300
2023	$7,636.00	$1,251,900 Land $463,600 Building $788,300	$1,251,900 Land $463,600 Building $788,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	10 (1995–2009)
Claims Outside the SFHA	2 of 10
Most Recent Claim	Dec 2009 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CEDAR POINTE private · serves 138 people · EPA ID VA4119300
Water Source	Groundwater
Last State Inspection	Sep 2024
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, 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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