265 Mill Wharf Rd, Wake, VA 23176 Property Records

Middlesex County property record for 265 Mill Wharf Rd, Wake, VA 23176

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,473 sqft · built 1979
Lot Size	12 acres (522,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Aug 2017)
Tax Bill	$2,572 (2026)
Deeds & Mortgages	Dec 2018 Line of Credit Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38 202`

Property Details

APN / Parcel Number

Primary APN	`38 202`
Alternative APN	`4390`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,473 sqft Living Area
Gross Area	4,763 sqft
1st Floor Area	2,066 sqft
Attic	Attic
Attic Area	625 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1992
Exterior Material	Brick
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	522,720 sqft (12 acres)
Garage Area	781 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	4390
Street Address	265 MILL WHARF RD
City	WAKE
State	VA
Zip	23176-2198
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	WAKE 12.00 AC (LUCA) D117-408 P6-84 323-643 P15-216A D17-1309
Jurisdiction	MIDDLESEX VA
Township / Civil Division	PINE TOP
Census Block Group	3
Census Block	3019
Census Tract	951100

Owner

Source: Middlesex County records, as of October 8, 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	110 WHISTLING SWAN CT, WILLIAMSBURG, VA 23188-4021
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2018	Deed of Trust, Mortgage · Line of Credit 1ST ADVANTAGE FEDERAL CREDIT UNION
Aug 23, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage PENTAGON FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on Record
Deed Sale	Aug 23, 2017 · Amount on Record
Deed Document Number	20171309
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	265 MILL WHARF RD, WAKE, VA 23176-2198
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180002448
Date	Dec 7, 2018
Instrument	180002448

Lender

Name	1ST ADVANTAGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 27, 2048

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Aug 23, 2017
Property Address	265 MILL WHARF RD, WAKE, VA 23176-2198
Document Number	170001309
Instrument Date	Aug 16, 2017
Instrument	170001309
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA

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	110 WHISTLING SWAN CT, WILLIAMSBURG, VA 23188-4021

Mortgage

Document Number	170001310
Date	Aug 23, 2017
Instrument	170001310

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County assessment roll, as of October 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,572.00	$421,800 (-) Land $86,000 Building $335,800	$421,800 (-) Land $86,000 Building $335,800
2025	$2,572.00	$421,800 (-) Land $86,000 Building $335,800	$421,800 (-) Land $86,000 Building $335,800
2023	$2,572.00	$421,800 Land $86,000 Building $335,800	$421,800 Land $86,000 Building $335,800

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 November 25, 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
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	10 (2003–2006)
Most Recent Claim	Sep 2006 · Tropical Depression Ernesto, Severe Storms And Flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 6 claims Hurricane Isabel, Sep 2003 · 3 claims

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	0.03% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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