233 Saddleback Way, Monroe, VA 24574 Property Records

Amherst County property record for 233 Saddleback Way, Monroe, VA 24574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,756 sqft · built 1996
Lot Size	8.65 acres (376,794 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Nov 2025)
Tax Bill	$2,024 (2026)
Deeds & Mortgages	May 2023 Second Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120 3 20`

Property Details

APN / Parcel Number

Primary APN	`120 3 20`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
1st Floor Area	1,528 sqft
Basement Area	1,756 sqft
Unfinished Basement	1,756 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2012
Architectural Style	Cape Cod
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	376,794 sqft (8.65 acres)
Terrain	Wooded
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	233 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 20 1 20 3 20
Legal Subdivision	CLOUDCROFT FARMS
Legal Lot Number	20
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	2 Individual Names on Record
Mailing Address	233 SADDLEBACK WAY, MONROE, VA 24574-2511
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION
Nov 17, 2025	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 17, 2021	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Prior Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	20253490
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	233 SADDLEBACK WAY, MONROE, VA 24574-2511
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001216
Date	May 3, 2023
Instrument	230001216

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2038

Interest

Rate Type	Fixed Rate

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	AMHERST VA
Recording Date	Nov 17, 2025
Property Address	233 SADDLEBACK WAY, MONROE, VA 24574-2511
Document Number	0250003490
Map Reference	MB K PG 127
Instrument Date	Nov 7, 2025
Instrument	250003490
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
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	233 SADDLEBACK WAY, MONROE, VA 24574-2511

Mortgage

Document Number	0250003491
Date	Nov 17, 2025
Instrument	250003491

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Sep 17, 2021
Property Address	233 SADDLEBACK WAY, MONROE, VA 24574-2511
Document Number	210003654
Instrument Date	Sep 8, 2021
Instrument	210003654
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	LA COMMONWEALTH TITLE, COMMONWEALTH TITLE

Transaction

Amount	Amount Recorded
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	233 SADDLEBACK WAY, MONROE, VA 24574-2511

Mortgage

Document Number	210003655
Date	Sep 17, 2021
Instrument	210003655

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed 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	$2,024.00 (+49.48%)	$222,100 (-) Land $61,900 Building $160,200	$361,600 (+62.81%) Land $74,300 Building $287,300
2025	$1,354.00	$222,100 (-) Land $61,900 Building $160,200	$222,100 (-) Land $61,900 Building $160,200
2024	$1,354.00	$222,100 (-) Land $61,900 Building $160,200	$222,100 (-) Land $61,900 Building $160,200
2023	$1,354.00	$222,100 Land $61,900 Building $160,200	$222,100 Land $61,900 Building $160,200

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

Nearby Properties on Saddleback Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures