28 Stove Point Rd, Deltaville, VA 23043 Property Records

Middlesex County property record for 28 Stove Point Rd, Deltaville, VA 23043

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,762 sqft · built 1965
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,208 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Dec 2020 Transfer
Flood Zone	Zone VE (high risk)
APN	`46 7 68`

Property Details

APN / Parcel Number

Primary APN	`46 7 68`
Alternative APN	`3246`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,762 sqft Living Area
Gross Area	4,010 sqft
1st Floor Area	2,762 sqft
Sunroom	Sunroom
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1994
Exterior Material	Fiber Cement Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,314 sqft (0.65 acres)

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	Deck Area
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3246
Street Address	28 STOVE POINT RD
City	DELTAVILLE
State	VA
Zip	23043-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	STOVE POINT 46-4 .65 AC LOT 68 D181-444 231-819 240-531 12 0018
Legal Subdivision	STOVE POINT NECK SD
Legal Lot Number	68
Jurisdiction	MIDDLESEX VA
Township / Civil Division	PINE TOP
Census Block Group	1
Census Block	1036
Census Tract	951200

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	10 STONEHURST GRN, RICHMOND, VA 23226-3215
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Dec 23, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 9, 2020
Transfer Doc	0000002702
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	28 STOVE POINT RD, DELTAVILLE, VA 23043-2009
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000127
Date	Jan 25, 2018
Instrument	180000127

Lender

Name	SUNTRUST BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2048

Interest

Rate Type	Adjustable Rate

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDDLESEX VA
Recording Date	Dec 23, 2020
Property Address	28 STOVE POINT RD, DELTAVILLE, VA 23043-2009
Document Number	200002702
Instrument Date	Dec 9, 2020
Instrument	200002702
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 STONEHURST GRN, RICHMOND, VA 23226-3215

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	$5,208.00	$853,900 (-) Land $362,000 Building $491,900	$853,900 (-) Land $362,000 Building $491,900
2025	$5,208.00	$853,900 (-) Land $362,000 Building $491,900	$853,900 (-) Land $362,000 Building $491,900
2023	$5,208.00	$853,900 Land $362,000 Building $491,900	$853,900 Land $362,000 Building $491,900

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 November 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 129 policies
Nearby Flood Policies	129 in force
Nearby Flood Claims	46 (1992–2022)
Claims Outside the SFHA	7 of 46
Most Recent Claim	Oct 2022 · other causes
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 17 claims Hurricane Isabel, Sep 2003 · 12 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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