190 Ridge Rd, Prospect, VA 23960 Property Records

Prince Edward County property record for 190 Ridge Rd, Prospect, VA 23960

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 3,300 sqft · built 1989
Lot Size	7.8 acres (339,768 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Feb 2023)
Tax Bill	$1,561 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`002 2 8`

Property Details

APN / Parcel Number

Primary APN	`002 2 8`
Alternative APN	`15300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	3,300 sqft Living Area
Basement Area	1,200 sqft
Finished Basement	1,200 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Lot Area	339,768 sqft (7.8 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	15300
Street Address	190 RIDGE RD
City	PROSPECT
State	VA
Zip	23960-7824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOMINION FARMS SUB-DIV SECTION 11 LOT 8
Legal Subdivision	DOMINION FARMS SUB-DIV
Legal Lot Number	8
Jurisdiction	PRINCE EDWARD VA
Township / Civil Division	601
Census Block Group	1
Census Block	1002
Census Tract	930202

Owner

Source: Prince Edward County records, as of September 29, 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	190 RIDGE RD, PROSPECT, VA 23960-7824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS BANK
Feb 21, 2023	Warranty Deed, Transfer · Conventional Mortgage MR COOPER
Jun 15, 2021	Warranty Deed, Transfer ABSOLUTE TITLE AND SETTLEMENT LLC, ABSOLUTE TITLE & SETTLEMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2023 · Amount on Record
Deed Sale	Feb 21, 2023 · Amount on Record
Prior Sale	Jun 15, 2021 · Amount on Record
Deed Document Number	2023229
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PRINCE EDWARD VA
Recording Date	Sep 16, 2026
Property Address	190 RIDGE RD, PROSPECT, VA 23960-7824
Document Number	0000001743
Instrument Date	Sep 11, 2026
Instrument	20261743
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 RIDGE RD, PROSPECT, VA 23960-7824

Mortgage

Document Number	0000001743,
Date	Sep 16, 2026
Instrument	20261743

Lender

Name	FARMERS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PRINCE EDWARD VA
Recording Date	Feb 21, 2023
Property Address	190 RIDGE RD, PROSPECT, VA 23960-7824
Document Number	0202300229
Instrument Date	Feb 13, 2023
Instrument	202300229
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	190 RIDGE RD, PROSPECT, VA 23960-7824

Mortgage

Document Number	0202300230
Date	Feb 21, 2023
Instrument	202300230

Lender

Name	MR COOPER

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PRINCE EDWARD VA
Recording Date	Jun 15, 2021
Property Address	190 RIDGE RD, PROSPECT, VA 23960-7824
Document Number	0202101365
Instrument Date	Jun 9, 2021
Instrument	202101365
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ABSOLUTE TITLE AND SETTLEMENT LLC, ABSOLUTE TITLE & SETTLEMENT

Transaction

Amount	Amount Recorded
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	1770 OREGON PIKE, LANCASTER, PA 17601-4203

Tax Assessment & Valuation

Source: Prince Edward County assessment roll, as of February 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,561.00 (+139.78%)	$390,300 (+205.64%) Land $47,800 Building $342,500	$390,300 (+205.64%) Land $47,800 Building $342,500
2024	$651.00 (+6.37%)
2023	$612.00	$127,700 Land $37,400 Building $90,300	$127,700 Land $37,400 Building $90,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective April 22, 2023

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

Provider	Max Down / Up (Mbps)
Planet Networks Fiber	1,000 / 1,000
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

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

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