210 Saddleback Way, Monroe, VA 24574 Property Records

Amherst County property record for 210 Saddleback Way, Monroe, VA 24574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,076 sqft · built 1994
Lot Size	5.14 acres (223,898 sqft)
Owner	Individual Name on Record
Tax Bill	$2,909 (2026)
Deeds & Mortgages	May 2026 Mortgage Dec 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`120 3 24`

Property Details

APN / Parcel Number

Primary APN	`120 3 24`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,076 sqft Living Area
1st Floor Area	2,076 sqft
Basement Area	2,076 sqft
Unfinished Basement	2,076 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2005
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	223,898 sqft (5.14 acres)
Terrain	Wooded
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	210 SADDLEBACK WAY
City	MONROE
State	VA
Zip	24574-2510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	RESUB CLOUDCROFT SEC I LOT 24 1 20 3 24
Legal Subdivision	I CLOUDCROFT FARMS
Legal Lot Number	24
Jurisdiction	AMHERST VA
Township / Civil Division	3
Census Block Group	3
Census Block	3003
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	Individual Name on Record
Mailing Address	210 SADDLEBACK WAY, MONROE, VA 24574-2510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 6, 2021	Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2024
Deed Sale	Jul 2, 2024
Prior Sale	Dec 6, 2021 · Amount on Record
Deed Document Number	20241761
Prior Transfer Date	Jun 24, 2024
Prior Transfer Doc	0000001761
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Recording Date	May 11, 2026
Property Address	210 SADDLEBACK WAY, MONROE, VA 24574-2510
Document Number	0000001393
Instrument Date	May 6, 2026
Instrument	20261393
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	210 SADDLEBACK WAY, MONROE, VA 24574-2510

Mortgage

Document Number	0000001393,
Date	May 11, 2026
Instrument	20261393

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jul 1, 2055

Interest

Rate	6.37%
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Dec 6, 2021
Property Address	210 SADDLEBACK WAY, MONROE, VA 24574-2510
Document Number	0210004761
Instrument Date	Nov 2, 2021
Instrument	210004761
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	MAIN STREET SETTLEMENTS INC, MAIN STREET SETTLEMENTS LLC

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	210 SADDLEBACK WAY, MONROE, VA 24574-2510

Mortgage

Document Number	0210004762
Date	Dec 6, 2021
Instrument	210004762

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,909.00 (+48.12%)	$322,000 (-) Land $46,100 Building $275,900	$519,600 (+61.37%) Land $55,400 Building $464,200
2025	$1,964.00
2024		$322,000 (-) Land $46,100 Building $275,900	$322,000 (-) Land $46,100 Building $275,900
2023	$1,964.00	$322,000 Land $46,100 Building $275,900	$322,000 Land $46,100 Building $275,900

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
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 45% of the US · above 73% of Virginia
Wildfire Likelihood	0.08% 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 6 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 (outdoors only), no 5G reported

Nearby Properties on Saddleback Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures