205 Cloudcroft Dr, Monroe, VA 24574 Property Records

Amherst County property record for 205 Cloudcroft Dr, Monroe, VA 24574

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,494 sqft · built 1963
Lot Size	8.31 acres (362,376 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Apr 2026)
Tax Bill	$3,438 (2026)
Deeds & Mortgages	Nov 2007 Line of Credit Dec 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120 A 7`

Property Details

APN / Parcel Number

Primary APN	`120 A 7`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,494 sqft Living Area
1st Floor Area	2,994 sqft
Basement Area	1,352 sqft
Unfinished Basement	1,352 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1982
Architectural Style	Bungalow
Exterior Material	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	362,376 sqft (8.31 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	224 sqft
Shed	1 Shed
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	205 CLOUDCROFT DR
City	MONROE
State	VA
Zip	24574-2548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	ARICOLA SEE DB 431-414 120 A 7
Jurisdiction	AMHERST VA
Township / Civil Division	3
Census Block Group	3
Census Block	3036
Census Tract	10300

Owner

Source: Amherst County records, as of June 23, 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	205 CLOUDCROFT DR, MONROE, VA 24574-2548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2007	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Dec 11, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NFM LENDING
Apr 6, 2026	Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Deed Document Number	2026989
Record Updated	Sep 20, 2026

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	205 CLOUDCROFT DR, MONROE, VA 24574-2548
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001096/323
Date	Nov 5, 2007
Book Page	1096/323
Instrument	000122710006

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	RICHMOND, VA 23219

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	205 CLOUDCROFT DR, MONROE, VA 24574-2548
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	PIKE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240003439
Date	Dec 11, 2024
Instrument	240003439

Lender

Name	NFM LENDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

Interest

Rate Type	Fixed Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	AMHERST VA
Recording Date	Apr 6, 2026
Property Address	205 CLOUDCROFT DR, MONROE, VA 24574-2548
Document Number	0000000989
Instrument Date	Apr 3, 2026
Instrument	2026989
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$58,075.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 CLOUDCROFT DR, MONROE, VA 24574-2548

Mortgage

Document Number	0000000990,
Date	Apr 6, 2026
Instrument	2026990

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Amherst County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,438.00 (+47.68%)	$381,700 (-) Land $60,400 Building $321,300	$614,100 (+60.89%) Land $72,500 Building $541,600
2025	$2,328.00
2024		$381,700 (-) Land $60,400 Building $321,300	$381,700 (-) Land $60,400 Building $321,300
2023	$2,328.00	$381,700 Land $60,400 Building $321,300	$381,700 Land $60,400 Building $321,300
2022	$2,328.00

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 February 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.07% 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 16 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

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