Middlesex County property record for 296 River Road Cir, Saluda, VA 23149
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,919 sqft · built 1972 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,599 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance |
| Flood Zone | Zone AE (high risk) |
| APN | 36A 1 13 |
| Primary APN | 36A 1 13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,919 sqft Living Area |
| Gross Area | 3,580 sqft |
| 1st Floor Area | 1,919 sqft |
| Sunroom | Sunroom |
| Flooring | Cork |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Area | 304 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | 260 sqft |
| Storage Building | 80 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 4313 |
|---|---|
| Street Address | 296 RIVER ROAD CIR |
| City | SALUDA |
| State | VA |
| Zip | 23149-3050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | DEER CHASE LOT 13 .88 AC D196-389 P392 D208-520 378-147 196 0392 |
| Legal Lot Number | 13 |
| Jurisdiction | MIDDLESEX VA |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 951000 |
Source: Middlesex County records, as of October 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 296 RIVER ROAD CIR, SALUDA, VA 23149-3050 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX VA |
| Property Address | 296 RIVER ROAD CIR, SALUDA, VA 23149-3050 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210002967 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | 210002967 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
Source: Middlesex County assessment roll, as of October 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Middlesex County |
| Unified School District | Middlesex County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,599.00 | $426,200 (-) Land $212,000 Building $214,200 | $426,200 (-) Land $212,000 Building $214,200 |
| 2025 | $2,599.00 | $426,200 (-) Land $212,000 Building $214,200 | $426,200 (-) Land $212,000 Building $214,200 |
| 2023 | $2,599.00 | $426,200 Land $212,000 Building $214,200 | $426,200 Land $212,000 Building $214,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 6.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 13 (2001–2011) |
| Claims Outside the SFHA | 7 of 13 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% 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.
Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Fiber | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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