194 N Commerce Ave, Waynesboro, VA 22980 Property Records

Waynesboro City property record for 194 N Commerce Ave, Waynesboro, VA 22980

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,282 sqft · built 1889
Lot Size	0.094 acres (4,126 sqft)
Owner	Individual Name on Record
Tax Bill	$1,191 (2026)
Deeds & Mortgages	Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`46 8-1`

Property Details

APN / Parcel Number

Primary APN	`46 8-1`
Alternative APN	`64064`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,282 sqft Living Area
1st Floor Area	896 sqft
Flooring	Softwood
Interior Walls	Wood

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	4,126 sqft (0.094 acres)

Exterior Amenities

Porch	Porch
Shed	1 Shed
Shed Area	64 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	64064
Street Address	194 N COMMERCE AVE
City	WAYNESBORO
State	VA
Zip	22980-5116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX-B
Legal Description	LOT 1 CHEW ADT
Legal Subdivision	THE CHEW ADDITION
Legal Lot Number	1
Jurisdiction	WAYNESBORO CITY VA
Township / Civil Division	WAYNESBORO
Census Block Group	1
Census Block	1012
Census Tract	3100

Owner

Source: Waynesboro City records, as of August 28, 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	194 N COMMERCE AVE, WAYNESBORO, VA 22980-5116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNESBORO CITY VA
Property Address	194 N COMMERCE AVE, WAYNESBORO, VA 22980-5116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180000170
Date	Jan 29, 2018
Instrument	180000170

Lender

Name	DUPONT COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Waynesboro City assessment roll, as of August 28, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Waynesboro City
Unified School District	Waynesboro City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,191.00 (+41.95%)	$137,000 (+25.69%) Land $28,500 Building $108,500	$137,000 (+25.69%) Land $28,500 Building $108,500
2023	$839.00	$109,000 Land $23,500 Building $85,500	$109,000 Land $23,500 Building $85,500

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 March 28, 2022 · 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 Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	108 (1978–2008)
Claims Outside the SFHA	22 of 108
Most Recent Claim	Jan 2008 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 24 claims Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 24 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 24 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

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	0.01% annual chance
Exposure	Indirect within ember reach

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	CITY OF WAYNESBORO serves 22,630 people · EPA ID VA2820775
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2024
Lead	1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20