289 Pine Tree Rd, Center Cross, VA 22437 Property Records

Essex County property record for 289 Pine Tree Rd, Center Cross, VA 22437

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 2021
Lot Size	3.32 acres (144,663 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,862 (2026)
Deeds & Mortgages	Sep 2025 Second Mortgage Jul 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`54-B-5-3A`

Property Details

APN / Parcel Number

Primary APN	`54-B-5-3A`
Alternative APN	`4448`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
Storm Shelter	Storm Shelter
Interior Walls	Wallboard/Drywall
Storm Shutters	Storm Shutters

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2024
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	144,663 sqft (3.32 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	4448
Street Address	289 PINE TREE RD
City	CENTER CROSS
State	VA
Zip	22437-2079
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	RIVER OAKS LOTS 7A & 3 (WESTERN PT) PARC EL 3A PARCEL 3A
Legal Subdivision	M RIVER OAKS SD
Legal Lot Number	3,7A
Jurisdiction	ESSEX VA
Township / Civil Division	SOUTH
Census Block Group	1
Census Block	1023
Census Tract	950800

Owner

Source: Essex County records, as of October 1, 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	289 PINE TREE RD, CENTER CROSS, VA 22437-2079
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jul 31, 2019	Deed of Trust, Mortgage · Line of Credit COLONIAL FARM CREDIT ACA
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GEORGE MASON MORTGAGE LLC
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	289 PINE TREE RD, CENTER CROSS, VA 22437-2079
Transaction Type	Mortgage
Record Updated	Oct 3, 2025
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 PINE TREE RD, CENTER CROSS, VA 22437-2079

Mortgage

Document Number	0250001120
Date	Sep 4, 2025
Instrument	250001120

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2045

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	289 PINE TREE RD, CENTER CROSS, VA 22437-2079
Transaction Type	Mortgage
Record Updated	Sep 25, 2023
Title Company	APPOMATTOX TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190000914
Date	Jul 31, 2019
Instrument	190000914

Lender

Name	COLONIAL FARM CREDIT ACA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	289 PINE TREE RD, CENTER CROSS, VA 22437-2079
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001918
Date	Oct 27, 2021
Instrument	210001918

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX VA
Property Address	289 PINE TREE RD, CENTER CROSS, VA 22437-2079
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000188
Date	Feb 2, 2021
Instrument	210000188

Lender

Name	GEORGE MASON MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	11 Months
Due	Jan 1, 2022

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2021

Tax Assessment & Valuation

Source: Essex County assessment roll, as of October 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,862.00	$338,600 (-) Land $41,500 Building $297,100	$338,600 (-) Land $41,500 Building $297,100
2025	$1,862.00 (-12.71%)	$338,600 (+15.85%) Land $41,500 Building $297,100	$338,600 (+15.85%) Land $41,500 Building $297,100
2023	$2,133.00	$292,284 Land $39,284 Building $253,000	$292,284 Land $39,284 Building $253,000

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 October 20, 2021 · 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (2003–2020)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Aug 2020 · other causes
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 2 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	0.02% 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

4G LTE (outdoors only), no 5G reported

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