1798 Wray Rd, La Crosse, VA 23950 Property Records

Mecklenburg County property record for 1798 Wray Rd, La Crosse, VA 23950

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,620 sqft · built 2010
Lot Size	2.45 acres (106,722 sqft)
Owner	Individual Name on Record
Tax Bill	$571 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`081000-04-001`

Property Details

APN / Parcel Number

Primary APN	`081000-04-001`
Alternative APNs	`081000_04_00_001` `R014449`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,620 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	106,722 sqft (2.45 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	R014449
Street Address	1798 WRAY RD
City	LA CROSSE
State	VA
Zip	23950-1772
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	PAR 1 AMERICAN TIMBERLAND CO
Jurisdiction	MECKLENBURG VA
Township / Civil Division	3
Census Block Group	3
Census Block	3038
Census Tract	930101

Owner

Source: Mecklenburg County records, as of January 5, 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 Record
Mailing Address	1798 WRAY RD, LA CROSSE, VA 23950-1772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 21, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 14, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2010
Deed Sale	Aug 31, 2010
Deed Document Number	0000103302
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG VA
Recording Date	Jul 30, 2026
Property Address	1798 WRAY RD, LA CROSSE, VA 23950-1772
Document Number	0000003233
Instrument Date	Jul 25, 2026
Instrument	20263233
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1798 WRAY RD, LA CROSSE, VA 23950-1772

Mortgage

Document Number	0000003233,
Date	Jul 30, 2026
Instrument	20263233

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG VA
Recording Date	Jul 21, 2026
Property Address	1798 WRAY RD, LA CROSSE, VA 23950-1772
Document Number	0000003080
Instrument Date	May 27, 2026
Instrument	20263080
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1798 WRAY RD, LA CROSSE, VA 23950-1772

Mortgage

Document Number	0000003080,
Date	Jul 21, 2026
Instrument	20263080

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG VA
Property Address	1798 WRAY RD, LA CROSSE, VA 23950-1772
Transaction Type	Mortgage
Record Updated	Mar 17, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006087
Date	Dec 14, 2021
Instrument	210006087

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	271 Months
Due	Jul 1, 2044

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$571.00 (+1.78%)	$158,800 (+13.11%) Land $22,700 Building $136,100	$158,800 (+13.11%) Land $22,700 Building $136,100
2023	$561.00	$140,400 (-) Land $21,600 Building $118,800	$140,400 (-) Land $21,600 Building $118,800
2022	$561.00	$140,400 Land $21,600 Building $118,800	$140,400 Land $21,600 Building $118,800

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 May 25, 2016

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

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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