174 Muddy Ln, Kenbridge, VA 23944 Property Records

Lunenburg County property record for 174 Muddy Ln, Kenbridge, VA 23944

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,894 sqft
Lot Size	10.1 acres (441,263 sqft)
Owner	Individual Name on File
Last Sale	$129,900 (Mar 2019)
Tax Bill	$510 (2026)
Deeds & Mortgages	Mar 2021 Refinance Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036 0A0 177`

Property Details

APN / Parcel Number

Primary APN	`036 0A0 177`
Alternative APN	`11434`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Building Area	1,894 sqft Living Area

Exterior

Effective Year Built	Effective 1995
Lot Area	441,263 sqft (10.1 acres)

Location & Zoning

Account Number	11434
Street Address	174 MUDDY LN
City	KENBRIDGE
State	VA
Zip	23944-7026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Description	COX ROAD 10.131 AC LOT 4
Legal Lot Number	4
Jurisdiction	LUNENBURG VA
Township / Civil Division	HOUNDS CREEK
Census Block Group	4
Census Block	4006
Census Tract	930100

Owner

174 Muddy Ln is owned and occupied by an individual who bought it in March 2019.

Source: Lunenburg County records, as of May 5, 2026

Owner of Record	Individual Name on File
Mailing Address	174 MUDDY LN, KENBRIDGE, VA 23944-7026
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 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINTE BANK
Mar 29, 2019	Warranty Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC
Mar 29, 2019	Warranty Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2019 · Amount on File
Deed Sale	Mar 29, 2019 · Amount on File
Deed Document Number	2019345
Deed Book / Page	406 / 922
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUNENBURG VA
Property Address	174 MUDDY LN, KENBRIDGE, VA 23944-7026
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000348
Date	Mar 25, 2021
Instrument	210000348

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUNENBURG VA
Recording Date	Mar 29, 2019
Property Address	174 MUDDY LN, KENBRIDGE, VA 23944-7026
Document Number	000406/922
Book / Page	406 / 922
Instrument Date	Mar 25, 2019
Instrument	190000345
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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	174 MUDDY LN, KENBRIDGE, VA 23944-7026

Mortgage

Document Number	0190000346
Date	Mar 29, 2019
Instrument	190000346

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUNENBURG VA
Recording Date	Mar 29, 2019
Property Address	174 MUDDY LN, KENBRIDGE, VA 23944-7026
Document Number	406/922
Book / Page	406 / 922
Instrument Date	Mar 25, 2019
Instrument	190000345
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
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	174 MUDDY LN, KENBRIDGE, VA 23944-7026

Tax Assessment & Valuation

The 2026 property tax bill for 174 Muddy Ln was $510.

Source: Lunenburg County assessment roll, as of May 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$510.00	$138,000 Land $43,000 Building $95,000	$138,000 Land $43,000 Building $95,000

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

Flood

FEMA maps place 174 Muddy Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 5, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 174 Muddy Ln 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	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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed Fixed Wireless	10 / 1

Cell Coverage

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

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