20 Cahaba Trl, Bracey, VA 23919 Property Records

Mecklenburg County property record for 20 Cahaba Trl, Bracey, VA 23919

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,596 sqft · built 2005
Lot Size	0.281 acres (12,267 sqft)
Owner	2 Individual Names on Record
Last Sale	$184,900 (Sep 2021)
Tax Bill	$714 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`201A02-04-137C`

Property Details

APN / Parcel Number

Primary APN	`201A02-04-137C`
Alternative APNs	`201A02_04_00_137C` `R015985`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,596 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,267 sqft (0.281 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R015985
Street Address	20 CAHABA TRL
City	BRACEY
State	VA
Zip	23919-1777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 137C&138C COYOTE VILL RIVER RIDGE
Legal Subdivision	COYOTE VILLAGE
Legal Lot Number	137C-13
Jurisdiction	MECKLENBURG VA
Township / Civil Division	6
Census Block Group	1
Census Block	1091
Census Tract	930103

Owner

Source: Mecklenburg County records, as of June 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 403, BRACEY, VA 23919-0403
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jan 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SOVEREIGN LENDING GROUP INC
Sep 24, 2021	Warranty Deed, Transfer · Conventional Mortgage BENCHMARK COMMUNITY BANK
Apr 26, 2019	Warranty Deed, Transfer · VA Mortgage BENCHMARK COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Apr 26, 2019 · Amount on Record
Deed Document Number	20214777
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG VA
Recording Date	May 27, 2026
Property Address	20 CAHABA TRL, BRACEY, VA 23919-1777
Document Number	0000002181
Instrument Date	May 14, 2026
Instrument	20262181
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CAHABA TRL, BRACEY, VA 23919-1777

Mortgage

Document Number	0000002181,
Date	May 27, 2026
Instrument	20262181

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 11, 2046

Interest

Rate	6.3%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG VA
Property Address	20 CAHABA TRL, BRACEY, VA 23919-1777
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000281
Date	Jan 20, 2021
Instrument	210000281

Lender

Name	SOVEREIGN LENDING GROUP INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.15%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG VA
Recording Date	Sep 24, 2021
Property Address	20 CAHABA TRL, BRACEY, VA 23919-1777
Document Number	0210004777
Instrument Date	Aug 26, 2021
Instrument	210004777
Transaction Type	Transfer
Record Updated	Mar 16, 2023
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	20 CAHABA TRL, BRACEY, VA 23919-1777

Mortgage

Document Number	0210004778
Date	Sep 24, 2021
Instrument	210004778

Lender

Name	BENCHMARK COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG VA
Recording Date	Apr 26, 2019
Property Address	20 CAHABA TRL, BRACEY, VA 23919-1777
Document Number	0190001348
Instrument Date	Apr 4, 2019
Instrument	190001348
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount Recorded
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	PO BOX 321, BRACEY, VA 23919-0321

Mortgage

Document Number	0190001349
Date	Apr 26, 2019
Instrument	190001349

Lender

Name	BENCHMARK COMMUNITY BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$714.00 (+16.29%)	$198,600 (+29.3%) Land $8,000 Building $190,600	$198,600 (+29.3%) Land $8,000 Building $190,600
2023	$614.00	$153,600 (-) Land $8,000 Building $145,600	$153,600 (-) Land $8,000 Building $145,600
2022	$614.00	$153,600 Land $8,000 Building $145,600	$153,600 Land $8,000 Building $145,600

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 May 25, 2016 · 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	4 in force

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	Direct burnable vegetation

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	RIVER RIDGE private · serves 950 people · EPA ID VA5117700
Water Source	Purchased surface water from ROANOKE RIVER SERVICE AUTHORITY
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) 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 502 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Empower Broadband Fiber	1,000 / 1,000

Cell Coverage

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

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