176 Cherokee Rd, Tappahannock, VA 22560 Property Records

Essex County property record for 176 Cherokee Rd, Tappahannock, VA 22560

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,886 sqft · built 1988
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,705 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-C-1-11`

Property Details

APN / Parcel Number

Primary APN	`49-C-1-11`
Alternative APN	`2666`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,886 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,700 sqft (0.59 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	80 sqft
Patio Area	28 sqft
Shed	1 Shed
Storage Building	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2666
Street Address	176 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 11
Legal Subdivision	MILLERS SQUARE
Legal Lot Number	11
Jurisdiction	ESSEX VA
Township / Civil Division	SOUTH
Census Block Group	2
Census Block	2039
Census Tract	950800

Owner

Source: Essex 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	176 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Mar 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GEORGE MASON MORTGAGE LLC
Mar 8, 2017	Deed of Trust, Mortgage · FHA Mortgage TIDEWATER HOME FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	176 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002158
Date	Dec 10, 2021
Instrument	210002158

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	176 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000375
Date	Mar 8, 2021
Instrument	210000375

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.75%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	176 CHEROKEE RD, TAPPAHANNOCK, VA 22560-4931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000235
Date	Mar 8, 2017
Instrument	170000235

Lender

Name	TIDEWATER HOME FUNDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Essex County assessment roll, as of October 6, 2025

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	$1,705.00	$310,000 (-) Land $26,200 Building $283,800	$310,000 (-) Land $26,200 Building $283,800
2025	$1,705.00 (+21.53%)	$310,000 (+61.21%) Land $26,200 Building $283,800	$310,000 (+61.21%) Land $26,200 Building $283,800
2023	$1,403.00	$192,300 Land $20,000 Building $172,300	$192,300 Land $20,000 Building $172,300

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

Flood

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
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

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 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 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	MILLERS SQUARE private · serves 60 people · EPA ID VA4057568
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, 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 37 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
Starlink Satellite	280 / 30

May also be available: RiverStreet Networks.

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