Amherst County property record for 192 River James Overlook, Monroe, VA 24574
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,026 sqft · built 2005 |
| Lot Size | 5.15 acres (224,378 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,607 (2026) |
| Deeds & Mortgages | Nov 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 134 2 3 |
| Primary APN | 134 2 3 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,026 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Basement Area | 1,326 sqft |
| Unfinished Basement | 1,326 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Bungalow |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 224,378 sqft (5.15 acres) |
| Terrain | Wooded |
| Porch | Slab |
| Deck Area | 72 sqft |
| Patio Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 192 RIVER JAMES OVERLOOK |
|---|---|
| City | MONROE |
| State | VA |
| Zip | 24574-3119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | LOT 3 RIVER JAMES OVER LOOK S ECTION II 134 2 3 |
| Legal Subdivision | RIVER JAMES OVERLOOK |
| Legal Lot Number | 3 |
| Jurisdiction | AMHERST VA |
| Township / Civil Division | 3 |
| Census Block Group | 4 |
| Census Block | 4097 |
| Census Tract | 10100 |
192 River James Overlook is owned and occupied by two individuals who acquired it in December 2024.
Source: Amherst County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 192 RIVER JAMES OVERLOOK, MONROE, VA 24574-3119 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 9, 2024 |
| Transfer Doc | 0000003434 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AMHERST VA |
| Property Address | 192 RIVER JAMES OVERLOOK, MONROE, VA 24574-3119 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0200003790 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 200003790 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2030 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 192 River James Overlook was $2,607, up 53.5% from the year before.
Source: Amherst County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Amherst County |
| Unified School District | Amherst County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,607.00 (+53.53%) | $278,400 Land $45,800 Building $232,600 | $465,700 Land $54,900 Building $410,800 |
| 2025 | $1,698.00 | ||
| 2024 | $278,400 (-) Land $45,800 Building $232,600 | $278,400 (-) Land $45,800 Building $232,600 | |
| 2023 | $1,698.00 | $278,400 Land $45,800 Building $232,600 | $278,400 Land $45,800 Building $232,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 192 River James Overlook in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · 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 |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 6 (1985–2016) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2016 · river or lake flooding |
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 risk around 192 River James Overlook is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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