290 Cheatham Rd, Monroe, VA 24574 Property Records

Amherst County property record for 290 Cheatham Rd, Monroe, VA 24574

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,496 sqft · built 2003
Lot Size	2.73 acres (118,962 sqft)
Owner	Individual Name on File
Tax Bill	$1,999 (2026)
Deeds & Mortgages	Nov 2022 Second Mortgage Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`88 A 26A`

Property Details

APN / Parcel Number

Primary APN	`88 A 26A`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,496 sqft Living Area
1st Floor Area	2,496 sqft
Basement Area	1,664 sqft
Unfinished Basement	1,664 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Architectural Style	Cape Cod
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	118,962 sqft (2.73 acres)
Terrain	Wooded
Garage Type	Detached
Garage Area	1,280 sqft
Parking Spaces	4 Parking Spaces
Deck Area	25 sqft
Patio Area	128 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	290 CHEATHAM RD
City	MONROE
State	VA
Zip	24574-3011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	NEAR NAOLA 88 A 26A
Jurisdiction	AMHERST VA
Township / Civil Division	3
Census Block Group	4
Census Block	4092
Census Tract	10100

Owner

Source: Amherst County assessment roll, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	290 CHEATHAM RD, MONROE, VA 24574-3011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBER ONE FEDERAL CREDIT UNION
Sep 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	290 CHEATHAM RD, MONROE, VA 24574-3011
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	DOCUMENT RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004046
Date	Nov 18, 2022
Instrument	220004046

Lender

Name	MEMBER ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 25, 2032

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	290 CHEATHAM RD, MONROE, VA 24574-3011
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002985
Date	Sep 9, 2020
Instrument	200002985

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	179 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Amherst County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,999.00 (+18.64%)	$276,283 (+7.21%) Land $30,193 Building $246,090	$357,100 (+38.57%) Land $36,200 Building $320,900
2025	$1,685.00 (+7.26%)
2024		$257,700 (-) Land $30,200 Building $227,500	$257,700 (-) Land $30,200 Building $227,500
2023	$1,571.00	$257,700 Land $30,200 Building $227,500	$257,700 Land $30,200 Building $227,500

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 February 14, 2025 · 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	6 (1985–2016)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2016 · 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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

Cell Coverage

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

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