174 Cherokee Rd, Tappahannock, VA 22560 Property Records

Essex County property record for 174 Cherokee Rd, Tappahannock, VA 22560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1992
Lot Size	0.503 acres (21,952 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Sep 2022)
Tax Bill	$1,053 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`49-C-1-12`

Property Details

APN / Parcel Number

Primary APN	`49-C-1-12`
Alternative APN	`3217`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,952 sqft (0.503 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	356 sqft
Parking Spaces	1 Parking Space
Deck Area	192 sqft
Storage Building	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Other
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	3217
Street Address	174 CHEROKEE RD
City	TAPPAHANNOCK
State	VA
Zip	22560-4931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	MILLERS SQUARE LOT 12
Legal Lot Number	12
Jurisdiction	ESSEX VA
Township / Civil Division	SOUTH
Census Block Group	2
Census Block	2039
Census Tract	950800

Owner

Source: Essex County records · APN 49-C-1-12

Assessment roll updated October 6, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	174 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 09, 2022 · Amount on Record
Deed Sale	Sep 09, 2022 · Amount on Record
Deed Document Number	20221318
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ESSEX VA
Recording Date	Sep 09, 2022
Property Address	174 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931
Document Number	0220001318
Instrument Date	Aug 08, 2022
Instrument	220001318
Transaction Type	Transfer
Record Updated	Oct 05, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	174 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931

Mortgage

Document Number	0220001319
Date	Sep 09, 2022
Instrument	220001319

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	174 Months
Due	Mar 01, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Essex County records · Assessment roll updated October 6, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Essex County
Unified School District	Essex 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
2026	$1,053.00	$191,500 (-) Land $26,200 Building $165,300	$191,500 (-) Land $26,200 Building $165,300
2025	$1,053.00 (-5.31%)	$191,500 (+25.66%) Land $26,200 Building $165,300	$191,500 (+25.66%) Land $26,200 Building $165,300
2023	$1,112.00	$152,400 Land $20,000 Building $132,400	$152,400 Land $20,000 Building $132,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 20, 2021 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	44 (1985–2015)
Claims Outside the SFHA	13 of 44
Most Recent Claim	Oct 2015 · river or lake flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 17 claims Hurricane Isabel, Sep 2003 · 17 claims Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 3 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cogeco Cable Holdings II Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Wilkes Telephone Membership.

Based on FCC filings for 37 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MILLERS SQUARE private · serves 60 people
Water Source	Groundwater
Last State Inspection	Oct 2023
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.