186 Pine Rd, Dunnsville, VA 22454 Property Records

Essex County property record for 186 Pine Rd, Dunnsville, VA 22454

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1976
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,143 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`47-F-1-P-9`

Property Details

APN / Parcel Number

Primary APN	`47-F-1-P-9`
Alternative APN	`2560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Other
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Patio Area	392 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2560
Street Address	186 PINE RD
City	DUNNSVILLE
State	VA
Zip	22454-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	RAPPAHANNOCK RIVER EST LT 9 & 18 FT OF L T 8 BK P
Legal Subdivision	RAPPAHANNOCK RIVER
Legal Block	P
Legal Lot Number	9,18
Jurisdiction	ESSEX VA
Township / Civil Division	SOUTH
Census Block Group	2
Census Block	2012
Census Tract	950800

Owner

186 Pine Rd is owned and occupied by two individuals.

Source: Essex County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	186 PINE RD, DUNNSVILLE, VA 22454-2154
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
Feb 18, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS & FARMERS BANK
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jun 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	186 PINE RD, DUNNSVILLE, VA 22454-2154
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	TERRY TITLE, TERRYS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 PINE RD, DUNNSVILLE, VA 22454-2154

Mortgage

Document Number	0260000169
Date	Feb 18, 2026
Instrument	260000169

Lender

Name	CITIZENS & FARMERS BANK
Type	Bank
Address	WARSAW, VA 22572

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	186 PINE RD, DUNNSVILLE, VA 22454-2154
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000604
Date	May 27, 2020
Instrument	200000604

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3.63%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	186 PINE RD, DUNNSVILLE, VA 22454-2154
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001129
Date	Jun 28, 2021
Instrument	210001129

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.63%

Tax Assessment & Valuation

The 2026 property tax bill for 186 Pine Rd was $1,143.

Source: Essex County assessment roll, as of October 1, 2026

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	$1,143.00	$207,900 (-) Land $45,000 Building $162,900	$207,900 (-) Land $45,000 Building $162,900
2025	$1,143.00	$207,900 Land $45,000 Building $162,900	$207,900 Land $45,000 Building $162,900
2023	$1,278.00	$175,100 Land $45,000 Building $130,100	$175,100 Land $45,000 Building $130,100

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

Flood

FEMA maps place 186 Pine Rd in Zone X, an area of minimal flood risk, though there have been 44 flood claims nearby since 1985.

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 File 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

Wildfire risk around 186 Pine Rd 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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