20 Cross St, Urbanna, VA 23175 Property Records

Middlesex County property record for 20 Cross St, Urbanna, VA 23175

Property Summary

Property Type	Commercial
Details	1 ba · 1,624 sqft · built 1962
Lot Size	0.45 acres (19,602 sqft)
Owner	Company Name on Record
Last Sale	$380,000 (Jun 2025)
Tax Bill	$1,587 (2026)
Deeds & Mortgages	Jul 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`20A 1 67`

Property Details

APN / Parcel Number

Primary APN	`20A 1 67`
Alternative APN	`9729`

Interior

Full Baths	1 Bath
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,624 sqft Gross Area
Flooring	Tile
Interior Walls	Block
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	19,602 sqft (0.45 acres)
Patio Area	406 sqft
Canopy	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9729
Street Address	20 CROSS ST
City	URBANNA
State	VA
Zip	23175
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	GB
Legal Description	20 CROSS STREET .453 AC D126-695 160-165 429-517 P16-551 D22-1401 D25-1042
Jurisdiction	MIDDLESEX VA
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2032
Census Tract	951000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Urbanna Historic District listed 1991 · 66 contributing resources · NRIS 90002196

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Middlesex County records, as of October 8, 2026

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

Owner of Record	Company Name on Record
Mailing Address	17449 FRALEY BLVD, DUMFRIES, VA 22026-2244
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Jul 8, 2022 · Amount on Record
Deed Document Number	20251042
Transfer Doc	000600/258
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Jul 8, 2022
Property Address	20 CROSS ST, URBANNA, VA 23175
Document Number	0220001401
Instrument Date	May 27, 2022
Instrument	220001401
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 BANKS FORD PKWY, FREDERICKSBURG, VA 22406-7287

Tax Assessment & Valuation

Source: Middlesex County assessment roll, as of October 8, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Middlesex County
Municipality	Urbanna Town
Unified School District	Middlesex County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,587.00	$260,300 (-) Land $100,000 Building $160,300	$260,300 (-) Land $100,000 Building $160,300
2025	$1,587.00	$260,300 (-) Land $100,000 Building $160,300	$260,300 (-) Land $100,000 Building $160,300
2023	$1,587.00	$260,300 Land $100,000 Building $160,300	$260,300 Land $100,000 Building $160,300

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 November 25, 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
Flood Insurance Cost	Premium on Record median of 15 individual policies
Nearby Flood Policies	37 units insured incl. 22 condo units
Nearby Flood Claims	24 (1984–2009)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Aug 2009 · rainfall accumulation
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 4 claims Hurricane Isabel, Sep 2003 · 10 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	TOWN OF URBANNA serves 800 people · EPA ID VA4119800
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Virginia Broadband Fixed Wireless · not low latency	100 / 25
T-Mobile Fixed Wireless	100 / 20