225 Waterfront Dr, Raphine, VA 24472 Property Records

Rockbridge County property record for 225 Waterfront Dr, Raphine, VA 24472

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,511 sqft · built 2025
Lot Size	0.502 acres (21,867 sqft)
Owner	Individual Name on File
Last Sale	$491,190 (Jul 2025)
Tax Bill	$2,966 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jul 2025 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`28 9 21`

Property Details

APN / Parcel Number

Primary APN	`28 9 21`
Alternative APN	`18876`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	2,511 sqft Living Area
Gross Area	3,042 sqft
Basement Area	1,006 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,867 sqft (0.502 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	18876
Street Address	225 WATERFRONT DR
City	RAPHINE
State	VA
Zip	24472-2544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	WILLOW LAKE PHASE 1 LOT 21
Legal Subdivision	WILLOW LAKE SUBDIVISION
Legal Phase	1
Legal Lot Number	21
Jurisdiction	ROCKBRIDGE VA
Township / Civil Division	SOUTH RIVER
Census Block Group	3
Census Block	3064
Census Tract	930102

Owner

225 Waterfront Dr is owned and occupied by an individual who bought it in July 2025.

Source: Rockbridge County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2025	Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD
Jul 23, 2025	Deed, Subdivision Related Transfer DHI TITLE AGENCY
Jun 21, 2024	Deed, Transfer TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO
Jun 26, 2024	Deed, Transfer TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO
May 30, 2024	Correction Deed
Mar 26, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2025 · Amount on File
Deed Sale	Jul 23, 2025 · Amount on File
Deed Document Number	20251726
Deed Book / Page	42
Record Updated	Oct 29, 2026

July 2025: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jul 23, 2025
Property Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544
Document Number	0250001726
Map Reference	CAB 4 PG 772
Instrument Date	Jul 21, 2025
Instrument	250001726
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 19, 2026
Title Company	DHI TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544

Mortgage

Document Number	0250001727
Date	Jul 23, 2025
Instrument	250001727

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

July 2025: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jul 23, 2025
Property Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544
Document Number	0250001726
Map Reference	CAB 4 PG 772
Instrument Date	Jul 21, 2025
Instrument	250001726
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 25, 2025
Title Company	DHI TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$245.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jun 21, 2024
Property Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544
Document Number	0240001328
Map Reference	CAB 4 PG 772
Instrument Date	Jun 18, 2024
Instrument	240001328
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount on Record
Tax	$385.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 WATERFORD LAKE DR STE 204, 204, MIDLOTHIAN, VA 23112-3994

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jun 26, 2024
Property Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544
Document Number	0240001328
Map Reference	CAB 4 PG 772
Instrument Date	Jun 18, 2024
Instrument	240001328
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount on Record
Tax	$385.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 WATERFORD LAKE DR STE 204, 204, MIDLOTHIAN, VA 23112-3994

May 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	May 30, 2024
Property Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544
Document Number	0240001154
Map Reference	CAB 4 PG 772
Instrument Date	May 8, 2024
Instrument	240001154
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 WILSON BLVD, FISHERSVILLE, VA 22939-2286

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Mar 26, 2021
Property Address	225 WATERFRONT DR, RAPHINE, VA 24472-2544
Document Number	0210001081
Map Reference	CAB 3 SL 784
Instrument Date	Mar 3, 2021
Instrument	210001081
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 WILSON BLVD, FISHERSVILLE, VA 22939-2286
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 225 Waterfront Dr was $2,966, up 826.9% from the year before.

Source: Rockbridge County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,966.00 (+826.88%)	$463,500 (+827%) Land $50,000 Building $413,500	$463,500 (+827%) Land $50,000 Building $413,500
2025	$320.00	$50,000 Land $50,000	$50,000 Land $50,000
2023		$50,000 Land $50,000	$50,000 Land $50,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 225 Waterfront Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 7, 2006 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 225 Waterfront Dr is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 73% of Virginia
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BARC Connects Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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