278 E Point Rd, Elkton, VA 22827 Property Records

Rockingham County property record for 278 E Point Rd, Elkton, VA 22827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,788 sqft · built 1958
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Apr 2024)
Tax Bill	$1,816 (2026)
Deeds & Mortgages	May 2026 Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`129-(A)-L40`

Property Details

APN / Parcel Number

Primary APN	`129-(A)-L40`
Alternative APNs	`R11921` `11921`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	3,698 sqft
Basement Area	1,788 sqft
Unfinished Basement	1,788 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Area	1,344 sqft
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R11921
Street Address	278 E POINT RD
City	ELKTON
State	VA
Zip	22827-3141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	MODEL
Legal Subdivision	MODEL
Jurisdiction	ROCKINGHAM VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1066
Census Tract	10301

Owner

Source: Rockingham County records, as of June 12, 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	278 E POINT RD, ELKTON, VA 22827-3141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS AND MERCHANTS BANK
Apr 22, 2024	Deed, Transfer · Conventional Mortgage VBS MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2024 · Amount on Record
Deed Sale	Apr 22, 2024 · Amount on Record
Deed Document Number	20247953
Deed Book / Page	5794 / 592
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Recording Date	May 28, 2026
Property Address	278 E POINT RD, ELKTON, VA 22827-3141
Document Number	0000011442
Book / Page	6053 / 257
Instrument Date	May 22, 2026
Instrument	202611442
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 E POINT RD, ELKTON, VA 22827-3141

Mortgage

Document Number	0000011442,
Date	May 28, 2026
Book Page	6053/257
Instrument	202611442

Lender

Name	FARMERS AND MERCHANTS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	Apr 22, 2024
Property Address	278 E POINT RD, ELKTON, VA 22827-3141
Document Number	005794/592
Book / Page	5794 / 592
Instrument Date	Apr 5, 2024
Instrument	2024-07953
Transaction Type	Transfer
Record Updated	May 13, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
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	278 E POINT RD, ELKTON, VA 22827-3141

Mortgage

Document Number	005794/596
Date	Apr 22, 2024
Book Page	5794/596
Instrument	2024-07954

Lender

Name	VBS MORTGAGE LLC
Type	Mortgage Company
Address	HARRISONBURG, VA 22801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	May 1, 2031
Change Frequency	3 Years
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	10-Year TN
Max Rate	13.5%

Tax Assessment & Valuation

Source: Rockingham County assessment roll, as of June 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,816.00 (+2.37%)	$275,220 (+5.49%) Land $63,000 Building $212,220	$275,220 (+5.49%) Land $63,000 Building $212,220
2023	$1,774.00	$260,900 Land $42,000 Building $218,900	$260,900 Land $42,000 Building $218,900

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 April 13, 2024 · 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2006–2025)
Most Recent Claim	Jul 2025 · river or lake flooding

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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber, T-Mobile.

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