21529 Carters Gate Rd, Ruther Glen, VA 22546 Property Records

Caroline County property record for 21529 Carters Gate Rd, Ruther Glen, VA 22546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,395 sqft · built 2017
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Tax Bill	$2,153 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`65-A-77A`

Property Details

APN / Parcel Number

Primary APN	`65-A-77A`
Alternative APNs	`065 A 77A` `21631`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,395 sqft Living Area
Gross Area	3,077 sqft
1st Floor Area	1,395 sqft
Basement Area	1,395 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Patio Area	1 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	21631
Street Address	21529 CARTERS GATE RD
City	RUTHER GLEN
State	VA
Zip	22546-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	LANDORA
Legal Subdivision	LANDORA
Jurisdiction	CAROLINE VA
Township / Civil Division	MADISON
Census Block Group	3
Census Block	3056
Census Tract	30502

Owner

Source: Caroline County records, as of August 18, 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	21529 CARTERS GATE RD, RUTHER GLEN, VA 22546-2129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit ELECTEL COOPERATIVE FEDERAL CREDIT UNION
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNE FIRST MORTGAGE LLC
Feb 27, 2017	Deed of Trust, Mortgage · FHA Mortgage M&T BK
Feb 27, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 21, 2016
Transfer Doc	0000002261
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Recording Date	Jun 29, 2026
Property Address	21529 CARTERS GATE RD, RUTHER GLEN, VA 22546-2129
Document Number	0000002733
Instrument Date	May 15, 2026
Instrument	20262733
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21529 CARTERS GATE RD, RUTHER GLEN, VA 22546-2129

Mortgage

Document Number	0000002733,
Date	Jun 29, 2026
Instrument	20262733

Lender

Name	ELECTEL COOPERATIVE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	21529 CARTERS GATE RD, RUTHER GLEN, VA 22546-2129
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	HOMELAND TITLE SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1430269
Date	Apr 1, 2021
Book Page	1430/269
Instrument	210001931

Lender

Name	TOWNE FIRST MORTGAGE LLC
Type	Mortgage Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	21529 CARTERS GATE RD, RUTHER GLEN, VA 22546-2129
Document Number	125894
Instrument Date	Feb 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	PROGRESSIVE TITLE INSURANCE AGENCY INC, OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21529 CARTERS GATE RD RUTHER GLEN VA 225462129, RUTHER GLEN, VA 22546-2129

Mortgage

Document Number	125894
Date	Feb 27, 2017
Book Page	001258/000094
Instrument	170880

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2047

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE VA
Recording Date	Feb 27, 2017
Property Address	21529 CARTERS GATE RD, RUTHER GLEN, VA 22546-2129
Document Number	125890
Book / Page	001258 / 000090
Instrument Date	Feb 21, 2017
Instrument	170879
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21529 CARTERS GATE RD RUTHER GLEN VA 22546, RUTHER GLEN, VA 22546

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of June 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,153.00 (-99.25%)	$371,200 Land $41,200 Building $330,000
2025	$285,824.00		$371,200 Land $41,200 Building $330,000

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 June 14, 2026 · 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	5 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	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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)
Verizon Fiber	2,300 / 2,300

Cell Coverage

5G and 4G LTE (outdoors only)

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