198 Pine Forest Dr, Spencer, VA 24165 Property Records

Henry County property record for 198 Pine Forest Dr, Spencer, VA 24165

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 1969
Owner	2 Individual Names on File
Last Sale	$68,000 (May 1989)
Tax Bill	$580 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2024 Refinance
Flood Zone	Zone X (minimal risk)
APN	`151670000`

Property Details

APN / Parcel Number

Primary APN	`151670000`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1969

Location & Zoning

Street Address	198 PINE FOREST DR
City	SPENCER
State	VA
Zip	24165-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	PINE FOREST RD LOT 10
Legal Subdivision	PINE FOREST
Legal Lot Number	10
Jurisdiction	HENRY VA
Township / Civil Division	HORSEPASTURE
Census Block Group	1
Census Block	1030
Census Tract	10900

Owner

198 Pine Forest Dr is owned and occupied by two individuals who bought it in May 1989.

Source: Henry County records, as of October 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	198 PINE FOREST DR, SPENCER, VA 24165-3017
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
Sep 25, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Apr 23, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 1989 · Amount on File
Deed Sale	May 1, 1989 · Amount on File
Deed Document Number	0000494707
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY VA
Recording Date	Sep 25, 2026
Property Address	198 PINE FOREST DR, SPENCER, VA 24165-3017
Document Number	0000003877
Instrument Date	Sep 21, 2026
Instrument	20263877
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 PINE FOREST DR, SPENCER, VA 24165-3017

Mortgage

Document Number	0000003877,
Date	Sep 25, 2026
Instrument	20263877

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY VA
Property Address	198 PINE FOREST DR, SPENCER, VA 24165-3017
Transaction Type	Mortgage
Record Updated	May 15, 2024
Title Company	NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240001432
Date	Apr 23, 2024
Instrument	240001432

Lender

Name	NEW DAY FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 198 Pine Forest Dr was $580.

Source: Henry County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$580.00	$104,600 Land $8,500 Building $96,100
2023	$580.00	$104,600 Land $8,500 Building $96,100	$104,600 Land $8,500 Building $96,100
2021			$104,600 Land $8,500 Building $96,100

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

Flood

FEMA maps place 198 Pine Forest 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 September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 198 Pine Forest 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 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

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

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