Rappahannock County property record for 20 Waterfall Rd, Chester Gap, VA 22623
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,092 sqft · built 1953 |
| Lot Size | 0.548 acres (23,914 sqft) |
| Owner | Individual Name on File |
| Last Sale | $287,000 (Jun 2022) |
| Tax Bill | $3,785 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0 1 26 |
| Primary APN | 0 1 26 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Total Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 852 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Exterior Material | Stone |
| Construction Type | Stone |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,914 sqft (0.548 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 158 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 39 |
|---|---|
| Old Parcel Number | 0 1 26 |
| Street Address | 20 WATERFALL RD |
| City | CHESTER GAP |
| State | VA |
| Zip | 22623-2028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .5492 AC 2022 #717 2013 #1319 2015 #1009 2011 #1123 |
| Legal Subdivision | WILLIAM PRPTY |
| Legal Lot Number | 26 |
| Jurisdiction | RAPPAHANNOCK VA |
| Township / Civil Division | WAKEFIELD |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 950100 |
20 Waterfall Rd is owned and occupied by an individual who bought it in June 2022.
Source: Rappahannock County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 WATERFALL RD, CHESTER GAP, VA 22623-2028 |
| 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.
| Date | Document |
|---|---|
| Jun 9, 2022 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 22, 2017 | Deed of Trust, Mortgage · FHA Mortgage UNITED SEC FIN'L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2022 · Amount on File |
| Deed Sale | Jun 9, 2022 · Amount on File |
| Prior Sale | Oct 21, 2015 · Amount on File |
| Deed Document Number | 0002022717 |
| Deed Book / Page | 2022 / 717 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | RAPPAHANNOCK VA |
| Recording Date | Jun 9, 2022 |
| Property Address | 20 WATERFALL RD, CHESTER GAP, VA 22623-2028 |
| Document Number | 0000000717 |
| Instrument Date | Jun 7, 2022 |
| Instrument | 220000717 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | CARDINAL SETTLEMENT SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 20 WATERFALL RD, CHESTER GAP, VA 22623-2028 |
| Document Number | 0000000718 |
|---|---|
| Date | Jun 9, 2022 |
| Instrument | 220000718 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAPPAHANNOCK VA |
| Property Address | 20 WATERFALL RD, CHESTER GAP, VA 22623-2028 |
| Document Number | 170000525 |
| Instrument Date | May 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2017 |
| Title Company | PARADISE SETTLEMENT SERVICES LLC, PARADISE SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 20 WATERFALL RD CHESTER GAP VA 226232028, CHESTER GAP, VA 22623-2028 |
| Document Number | 170000525 |
|---|---|
| Date | Jun 2, 2017 |
| Instrument | 525 |
| Name | UNITED SEC FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | MURRAY, UT 84121 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
The 2025 property tax bill for 20 Waterfall Rd was $3,785.
Source: Rappahannock County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Rappahannock County |
| Unified School District | Rappahannock County Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,785.00 | $182,600 Land $35,000 Building $147,600 | $182,600 Land $35,000 Building $147,600 |
| 2023 | $1,113.00 | $182,600 Land $35,000 Building $147,600 | $182,600 Land $35,000 Building $147,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Waterfall Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 1, 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 | 1 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 risk around 20 Waterfall Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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