230 Saddleback Way, Monroe, VA 24574 Property Records

Amherst County property record for 230 Saddleback Way, Monroe, VA 24574

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,722 sqft · built 1995
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (May 2021)
Tax Bill	$2,330 (2026)
Deeds & Mortgages	Oct 2020 Line of Credit May 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`120 3 23`

Property Details

APN / Parcel Number

Primary APN	`120 3 23`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,722 sqft Living Area
1st Floor Area	1,722 sqft
Basement Area	1,722 sqft
Unfinished Basement	1,722 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2011
Architectural Style	Bungalow
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Slab
Shed	1 Shed
Gazebo	Gazebo

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	230 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 23 1 20 3 23
Legal Subdivision	CLOUDCROFT FARMS
Legal Lot Number	23
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	230 SADDLEBACK WAY, MONROE, VA 24574-2510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 21, 2021	Warranty Deed, Transfer · Line of Credit SELECT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Deed Document Number	20211996
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	230 SADDLEBACK WAY, MONROE, VA 24574-2510
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200003732
Date	Oct 30, 2020
Instrument	200003732

Lender

Name	TRUIST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	May 21, 2021
Property Address	230 SADDLEBACK WAY, MONROE, VA 24574-2510
Document Number	210001996
Instrument Date	May 13, 2021
Instrument	210001996
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	230 SADDLEBACK WAY, MONROE, VA 24574-2510

Mortgage

Document Number	0210001997
Date	May 21, 2021
Instrument	210001997

Lender

Name	SELECT 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	$2,330.00 (+49.74%)	$255,200 (-) Land $45,500 Building $209,700	$416,100 (+63.05%) Land $54,600 Building $361,500
2025	$1,556.00
2024		$255,200 (-) Land $45,500 Building $209,700	$255,200 (-) Land $45,500 Building $209,700
2023	$1,556.00	$255,200 Land $45,500 Building $209,700	$255,200 Land $45,500 Building $209,700

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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