296 Heritage Point Rd, Deltaville, VA 23043 Property Records

Middlesex County property record for 296 Heritage Point Rd, Deltaville, VA 23043

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,286 sqft · built 1990
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Jul 2023)
Tax Bill	$3,638 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40 104 18`

Property Details

APN / Parcel Number

Primary APN	`40 104 18`
Alternative APN	`7968`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,286 sqft Living Area
Gross Area	3,606 sqft
1st Floor Area	1,680 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Area	340 sqft
Parking Spaces	1 Parking Space
Pool Area	648 sqft
Porch	Patio
Porch Area	424 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7968
Street Address	296 HERITAGE POINT RD
City	DELTAVILLE
State	VA
Zip	23043-2274
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	HERITAGE POINT SUBD LOT 18 .48 AC DB166-91 299-575 350-175 D9-712 D23-1057
Legal Subdivision	HERITAGE POINT SUBD
Legal Lot Number	18
Jurisdiction	MIDDLESEX VA
Township / Civil Division	PINE TOP
Census Block Group	3
Census Block	3003
Census Tract	951200

Owner

296 Heritage Point Rd is owned and occupied by two individuals who bought it in July 2023.

Source: Middlesex County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	296 HERITAGE POINT RD, DELTAVILLE, VA 23043-2274
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Jan 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage C&F MORTGAGE CORP
Jul 3, 2023	Warranty Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on File
Deed Sale	Jul 3, 2023 · Amount on File
Deed Document Number	20231057
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	296 HERITAGE POINT RD, DELTAVILLE, VA 23043-2274
Transaction Type	Mortgage
Record Updated	Feb 16, 2026
Title Company	HOMELAND TITLE AND ESCROW AGENCY LLC, HOMELAND TTL STLMT AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 HERITAGE POINT RD, DELTAVILLE, VA 23043-2274

Mortgage

Document Number	0260000111
Date	Jan 22, 2026
Instrument	260000111

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.99%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Jul 3, 2023
Property Address	296 HERITAGE POINT RD, DELTAVILLE, VA 23043
Document Number	0230001057
Instrument Date	Jun 28, 2023
Instrument	230001057
Transaction Type	Transfer
Record Updated	Aug 9, 2023
Title Company	NOT AVAILABLE, RVA PARTNERS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 HERITAGE POINT RD, DELTAVILLE, VA 23043

Mortgage

Document Number	0230001058
Date	Jul 3, 2023
Instrument	230001058

Lender

Name	C&F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 296 Heritage Point Rd was $3,638.

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	$3,638.00	$596,400 (-) Land $312,000 Building $284,400	$596,400 (-) Land $312,000 Building $284,400
2025	$3,638.00	$596,400 Land $312,000 Building $284,400	$596,400 Land $312,000 Building $284,400
2023	$3,638.00	$596,400 (-) Land $312,000 Building $284,400	$596,400 (-) Land $312,000 Building $284,400
2022	$3,638.00	$596,400 Land $312,000 Building $284,400	$596,400 Land $312,000 Building $284,400

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

Flood

FEMA maps place 296 Heritage Point Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Oct 2018 · Tropical Storm Michael

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 296 Heritage Point Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BUSH PARK MOBILE HOME PARK private · serves 400 people · EPA ID VA4119277
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Dec 2022
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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