Henry County property record for 208 Arrowhead Cir, Spencer, VA 24165
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 1974 |
| Lot Size | 0.616 acres (26,833 sqft) |
| Owner | Individual Name on File |
| Last Sale | $92,400 (Jun 2005) |
| Tax Bill | $471 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Nov 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 024980000 |
| Primary APN | 024980000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,196 sqft Living Area |
| Year Built | Built 1974 |
|---|---|
| Lot Area | 26,833 sqft (0.616 acres) |
| Street Address | 208 ARROWHEAD CIR |
|---|---|
| City | SPENCER |
| State | VA |
| Zip | 24165-3074 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Description | STUART RD ST RT 692 .616 AC PARCEL A |
| Jurisdiction | HENRY VA |
| Township / Civil Division | HORSEPASTURE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 10900 |
208 Arrowhead Cir is owned and occupied by an individual who bought it in June 2005.
Source: Henry County records, as of October 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 208 ARROWHEAD CIR # 692, 692, SPENCER, VA 24165-3074 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Nov 14, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance LOWER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2005 · Amount on File |
| Deed Sale | Jun 2, 2005 · Amount on File |
| Deed Document Number | 0L05003294 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRY VA |
| Property Address | 208 ARROWHEAD CIR, SPENCER, VA 24165-3074 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Title Company | SAI SETTLEMENT SERVICES LLC, SUMMIT SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 208 ARROWHEAD CIR, SPENCER, VA 24165-3074 |
| Document Number | 0260001138 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 260001138 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENRY VA |
| Property Address | 208 ARROWHEAD CIR, SPENCER, VA 24165-3074 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220004666 |
|---|---|
| Date | Nov 14, 2022 |
| Instrument | 220004666 |
| Name | LOWER LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
Source: Henry County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Henry County |
| Unified School District | Henry County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $471.00 | $84,900 (-) Land $8,000 Building $76,900 | |
| 2023 | $471.00 | $84,900 Land $8,000 Building $76,900 | $84,900 (-) Land $8,000 Building $76,900 |
| 2021 | $84,900 Land $8,000 Building $76,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 208 Arrowhead Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 208 Arrowhead Cir is low, with a 0.01% 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 | 0.01% 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
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