269 Apple Tree Rd, Montross, VA 22520 Property Records

Westmoreland County property record for 269 Apple Tree Rd, Montross, VA 22520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,937 sqft · built 2007
Lot Size	1.37 acres (59,677 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (May 2019)
Tax Bill	$2,618 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38J B`

Property Details

APN / Parcel Number

Primary APN	`38J B`
Alternative APN	`2842`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,937 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	59,677 sqft (1.37 acres)
Parking Spaces	3 Parking Spaces
Pool Area	640 sqft
Porch	Finished/Screened Porch
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2842
Street Address	269 APPLE TREE RD
City	MONTROSS
State	VA
Zip	22520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF
Legal Description	FRANKLIN SUBDIVISION LOT B 1.37 ACDB 919 PG 883 R/S
Legal Lot Number	B
Jurisdiction	WESTMORELAND VA
Township / Civil Division	COPLE
Census Block Group	2
Census Block	2014
Census Tract	10101

Owner

269 Apple Tree Rd is owned by an individual who bought it in May 2019.

Source: Westmoreland County records, as of January 7, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2532 CARRIAGE ROAD, CATLETT, VA 20119
Owner Type	Individual

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
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICA FINANCIAL INC
May 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW AMERICAN FUNDING
May 17, 2019	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Deed Document Number	0000919883
Deed Book / Page	919 / 883
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	269 APPLE TREE RD, MONTROSS, VA 22520
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009482719
Date	Oct 27, 2021
Instrument	09482719

Lender

Name	NEW AMERICA FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	269 APPLE TREE RD, MONTROSS, VA 22520
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009310323
Date	May 6, 2020
Instrument	09310323

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTMORELAND VA
Recording Date	May 17, 2019
Property Address	269 APPLE TREE RD, MONTROSS, VA 22520
Document Number	0009190883
Instrument Date	May 16, 2019
Instrument	09190883
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	EKKO TITLE

Transaction

Amount	Amount on Record
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	2532 CARRIAGE FORD RD, CATLETT, VA 20119-2210

Mortgage

Document Number	0009190885
Date	May 17, 2019
Instrument	09190885

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 269 Apple Tree Rd was $2,618.

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,618.00	$385,000 Land $134,700 Building $250,300	$385,000 Land $134,700 Building $250,300
2023	$2,387.00	$385,000 Land $134,700 Building $250,300	$385,000 Land $134,700 Building $250,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 269 Apple Tree Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 22, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 62 policies
Nearby Flood Policies	62 in force
Nearby Flood Claims	13 (2003–2021)
Claims Outside the SFHA	5 of 13
Most Recent Claim	Oct 2021 · river or lake flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 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

Wildfire risk around 269 Apple Tree Rd is low, with a 0.02% annual chance of 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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