2745 Reliance Rd, Middletown, VA 22645 Property Records

Warren County property record for 2745 Reliance Rd, Middletown, VA 22645

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,024 sqft · built 2020
Lot Size	2.54 acres (110,642 sqft)
Owner	2 Individual Names on File
Last Sale	$659,900 (May 2023)
Tax Bill	$3,842 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11/15`

Property Details

APN / Parcel Number

Primary APN	`11/15`
Alternative APN	`1277`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,024 sqft Living Area
Gross Area	4,444 sqft
1st Floor Area	1,512 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	110,642 sqft (2.54 acres)
Terrain	Rolling
Garage Area	780 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	128 sqft
Deck Area	512 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1277
Old Parcel Number	11 15
Street Address	2745 RELIANCE RD
City	MIDDLETOWN
State	VA
Zip	22645-3823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 15 TROY OAKES PROP DB 310-331 SUB RESIDUE LR18-2431 SEE NOTES
Legal Subdivision	NORTH RIVER-COUNTY
Legal Lot Number	15
Jurisdiction	WARREN VA
Township / Civil Division	NORTH RIVER
Census Block Group	2
Census Block	2019
Census Tract	20200

Owner

2745 Reliance Rd is owned and occupied by two individuals who bought it in May 2023.

Source: Warren County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2745 RELIANCE RD, MIDDLETOWN, VA 22645-3823
Occupancy	Owner Occupied
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
May 19, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage CBM MORTGAGE INC
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CBM MORTGAGE INC
Aug 29, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Prior Sale	Aug 29, 2018 · Amount on File
Deed Document Number	20232161
Record Updated	Oct 29, 2026

May 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WARREN VA
Recording Date	May 19, 2023
Property Address	2745 RELIANCE RD, MIDDLETOWN, VA 22645-3823
Document Number	0230002161
Map Reference	DOC 180002431
Instrument Date	May 18, 2023
Instrument	230002161
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	QUALITY TITLE INC, QUALITY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
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	2745 RELIANCE RD, MIDDLETOWN, VA 22645-3823

Mortgage

Document Number	0230002162
Date	May 19, 2023
Instrument	230002162

Lender

Name	CBM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	2745 RELIANCE RD, MIDDLETOWN, VA 22645-3823
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200002976
Date	May 19, 2020
Instrument	200002976

Lender

Name	CBM MORTGAGE INC
Type	Mortgage Company
Address	FRONT ROYAL, VA 22630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN VA
Recording Date	Aug 29, 2018
Property Address	2745 RELIANCE RD, MIDDLETOWN, VA 22645-3823
Document Number	180004368
Map Reference	DOC180002431
Instrument Date	Aug 29, 2018
Instrument	180004368
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount on Record
Tax	$249.00
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

Tax Assessment & Valuation

The 2026 property tax bill for 2745 Reliance Rd was $3,842, up 18.8% from the year before.

Source: Warren County assessment roll, as of August 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,842.00 (+18.8%)	$675,300 (-) Land $76,100 Building $599,200
2025	$3,234.00 (+12.1%)	$675,300 (+14.69%) Land $76,100 Building $599,200	$675,300 (+14.69%) Land $76,100 Building $599,200
2024	$2,885.00	$588,800 (-) Land $72,900 Building $515,900	$588,800 (-) Land $72,900 Building $515,900
2023		$588,800 Land $72,900 Building $515,900	$588,800 Land $72,900 Building $515,900
2022	$2,885.00

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

Flood

FEMA maps place 2745 Reliance Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 3, 2008 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 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 2745 Reliance Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 58% of Virginia
Wildfire Likelihood	0.04% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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