186 Cedar Pointe Dr, Urbanna, VA 23175 Property Records

Middlesex County property record for 186 Cedar Pointe Dr, Urbanna, VA 23175

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,820 sqft · built 1999
Lot Size	1.63 acres (71,003 sqft)
Owner	Individual Name on File
Last Sale	$1,175,000 (Mar 2026)
Tax Bill	$4,570 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19 16 32`

Property Details

APN / Parcel Number

Primary APN	`19 16 32`
Alternative APN	`3595`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,820 sqft Living Area
Gross Area	5,016 sqft
1st Floor Area	1,632 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2006
Exterior Material	Fiber Cement Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	71,003 sqft (1.63 acres)
Garage Area	816 sqft
Parking Spaces	6 Parking Spaces
Pool Area	512 sqft
Deck Area	72 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3595
Street Address	186 CEDAR POINTE DR
City	URBANNA
State	VA
Zip	23175-2148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	REMLIK HALL-CEDAR POINTE LOT 32 1.63 AC 211-448 225-1 270-731 P10-38 D273-472 07-362 D26-470
Legal Lot Number	32
Jurisdiction	MIDDLESEX VA
Township / Civil Division	SALUDA
Census Block Group	3
Census Block	3020
Census Tract	951000

Owner

186 Cedar Pointe Dr is owned by an individual who bought it in March 2026.

Source: Middlesex County records, as of October 8, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 415, URBANNA, VA 23175-0415
Owner Type	Individual
Vesting	Married

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026 · Amount on File
Deed Sale	Mar 31, 2026 · Amount on File
Prior Sale	Dec 20, 2006 · Amount on File
Deed Document Number	2026470
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Mar 31, 2026
Property Address	186 CEDAR POINTE DR, URBANNA, VA 23175-2148
Document Number	0260000470
Map Reference	MB 10 PG 38-42
Instrument Date	Mar 25, 2026
Instrument	260000470
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,175.00
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 415, URBANNA, VA 23175-0415
Investor	Possibly a Property Investor

Mortgage

Document Number	0260000471
Date	Mar 31, 2026
Instrument	260000471

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 186 Cedar Pointe Dr was $4,570.

Source: Middlesex County assessment roll, as of October 8, 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	$4,570.00	$749,300 (-) Land $237,200 Building $512,100	$749,300 (-) Land $237,200 Building $512,100
2025	$4,570.00	$749,300 Land $237,200 Building $512,100	$749,300 Land $237,200 Building $512,100
2023	$4,570.00	$749,300 Land $237,200 Building $512,100	$749,300 Land $237,200 Building $512,100

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

Flood

FEMA maps place 186 Cedar Pointe Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 186 Cedar Pointe Dr 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 94% of the US · lower than 96% 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.

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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