22149 Carters Gate Rd, Ruther Glen, VA 22546 Property Records

Caroline County property record for 22149 Carters Gate Rd, Ruther Glen, VA 22546

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,189 sqft · built 2004
Lot Size	2.61 acres (113,735 sqft)
Owner	Individual Name on Record
Last Sale	$433,900 (Jun 2023)
Tax Bill	$2,765 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-A-83B`

Property Details

APN / Parcel Number

Primary APN	`65-A-83B`
Alternative APN	`22895`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,189 sqft Living Area
Gross Area	6,356 sqft
1st Floor Area	1,442 sqft
Basement Area	1,082 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	113,735 sqft (2.61 acres)
Terrain	Rolling
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	22895
Street Address	22149 CARTERS GATE RD
City	RUTHER GLEN
State	VA
Zip	22546-2131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RP
Legal Description	CLIFTON PT OF PARCEL 5
Legal Subdivision	CLIFTON
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	22149 CARTERS GATE RD, RUTHER GLEN, VA 22546-2131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 2, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2023 · Amount on Record
Deed Sale	Jun 20, 2023 · Amount on Record
Deed Document Number	20232255
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE VA
Recording Date	Jun 20, 2023
Property Address	22149 CARTERS GATE RD, RUTHER GLEN, VA 22546-2131
Document Number	0230002255
Map Reference	MB 640 PG 536
Instrument Date	Jun 14, 2023
Instrument	230002255
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22149 CARTERS GATE RD, RUTHER GLEN, VA 22546-2131

Mortgage

Document Number	0230002256
Date	Jun 20, 2023
Instrument	230002256

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	22149 CARTERS GATE RD, RUTHER GLEN, VA 22546-2131
Transaction Type	Mortgage
Record Updated	Mar 7, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001484624
Date	Feb 2, 2022
Book Page	1484/624
Instrument	220000567

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Feb 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	22149 CARTERS GATE RD, RUTHER GLEN, VA 22546-2131
Document Number	1290929
Book / Page	001290 / 000929
Instrument Date	Nov 2, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22149 CARTERS GATE RD RUTHER GLEN VA 225462131, RUTHER GLEN, VA 22546-2131

Mortgage

Document Number	1290929
Date	Nov 16, 2017
Book Page	001290/000929
Instrument	5110

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2047

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	$2,765.00 (-99.25%)	$476,770 (+39.28%) Land $60,100 Building $416,670
2025	$367,112.00 (+13,832.14%)		$476,770 (+39.28%) Land $60,100 Building $416,670
2023	$2,635.00	$342,300 Land $54,300 Building $288,000
2022			$342,300 Land $54,300 Building $288,000

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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