215 Saddleback Way, Monroe, VA 24574 Property Records

Amherst County property record for 215 Saddleback Way, Monroe, VA 24574

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,178 sqft · built 1994
Lot Size	7.79 acres (339,376 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jul 2018)
Tax Bill	$2,897 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120 3 21`

Property Details

APN / Parcel Number

Primary APN	`120 3 21`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,178 sqft Living Area
1st Floor Area	2,048 sqft
Basement Area	1,154 sqft
Unfinished Basement	1,154 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	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	339,376 sqft (7.79 acres)
Terrain	Wooded
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Deck Area	288 sqft
Patio Area	168 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	215 SADDLEBACK WAY
City	MONROE
State	VA
Zip	24574-2511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	RESUB CLOUDCROFT SEC I LOT 21 1 20 3 21
Legal Subdivision	I CLOUDCROFT FARMS
Legal Lot Number	21
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	215 SADDLEBACK WAY, MONROE, VA 24574-2511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 3, 2018	Special Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING & TRUST COMPANY
Mar 1, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2018 · Amount on Record
Deed Sale	Jul 3, 2018 · Amount on Record
Prior Sale	Mar 1, 2018 · Amount on Record
Deed Document Number	20181763
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	215 SADDLEBACK WAY, MONROE, VA 24574-2511
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	MOUNTAIN VIEW STLMNT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200003110
Date	Sep 16, 2020
Instrument	200003110

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Jul 3, 2018
Property Address	215 SADDLEBACK WAY, MONROE, VA 24574-2511
Document Number	0180001763
Instrument Date	May 24, 2018
Instrument	180001763
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	SERVICELINK CRS, SERVICELINK 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	215 SADDLEBACK WAY, MONROE, VA 24574-2511

Mortgage

Document Number	0180001764
Date	Jul 3, 2018
Instrument	180001764

Lender

Name	BRANCH BANKING & TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	AMHERST VA
Recording Date	Mar 1, 2018
Property Address	215 SADDLEBACK WAY, MONROE, VA 24574-2511
Document Number	180000562
Instrument Date	Feb 26, 2018
Instrument	180000562
Transaction Type	Foreclosure
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 PLANO PARKW, CARROLLTON, TX 75010-4900

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	$2,897.00 (+42.92%)	$332,300 (-) Land $58,100 Building $274,200	$517,400 (+55.7%) Land $69,700 Building $447,700
2025	$2,027.00
2024		$332,300 (-) Land $58,100 Building $274,200	$332,300 (-) Land $58,100 Building $274,200
2023	$2,027.00	$332,300 Land $58,100 Building $274,200	$332,300 Land $58,100 Building $274,200

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 43% of the US · above 70% 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 14 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

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