Rockingham County property record for 3 Phyllis Ln, Bridgewater, VA 22812
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,353 sqft · built 2021 |
| Lot Size | 0.309 acres (13,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,000 (Dec 2020) |
| Tax Bill | $3,241 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Sep 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 122D-(13)-L37 |
| Primary APN | 122D-(13)-L37 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,353 sqft Living Area |
| Gross Area | 7,727 sqft |
| Basement Area | 823 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,460 sqft (0.309 acres) |
| Garage Type | Attached |
| Driveway | Paver Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | R47038 |
|---|---|
| Street Address | 3 PHYLLIS LN |
| City | BRIDGEWATER |
| State | VA |
| Zip | 22812-1671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | WINDSOR WEST S3 L37 |
| Legal Subdivision | WINDSOR WEST |
| Jurisdiction | ROCKINGHAM VA |
| Township / Civil Division | ASHBY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 11500 |
3 Phyllis Ln is owned and occupied by an individual who acquired it in August 2021.
Source: Rockingham County records, as of June 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed of Trust, Mortgage · Line of Credit PENDLETON COMMUNITY BANK |
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VBS MORTGAGE LLC |
| Mar 20, 2023 | Deed of Trust, Mortgage · Line of Credit PENDLETON COMMUNITY BANK INC |
| Jan 29, 2021 | Deed of Trust, Mortgage · Line of Credit HEATWOLE CONSTRUCTION LLC |
| Sep 9, 2021 | Gift Deed, Transfer · Conventional Mortgage VBS MORTGAGE LLC |
| Dec 15, 2020 | Deed, Subdivision Related Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2020 · Amount on File |
| Deed Sale | Dec 15, 2020 · Amount on File |
| Deed Document Number | 202029734 |
| Deed Book / Page | 5342 / 710 |
| Last Transfer Date | Aug 18, 2021 |
| Transfer Doc | 005473/394 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Jun 1, 2026 |
| Property Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Document Number | 0000011799 |
| Book / Page | 6054 / 789 |
| Instrument Date | May 28, 2026 |
| Instrument | 202611799 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Document Number | 0000011799, |
|---|---|
| Date | Jun 1, 2026 |
| Book Page | 6054/789 |
| Instrument | 202611799 |
| Name | PENDLETON COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Property Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 005473/396 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 5473/396 |
| Instrument | 2021-25286 |
| Name | VBS MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HARRISONBURG, VA 22801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Property Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Document Number | 005677/123 |
|---|---|
| Date | Mar 20, 2023 |
| Book Page | 5677/123 |
| Instrument | 2023-05317 |
| Name | PENDLETON COMMUNITY BANK INC |
|---|---|
| Type | Bank |
| Address | FRANKLIN, WV 26807 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Property Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 005363/397 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 5363/397 |
| Instrument | 2021-02455 |
| Name | HEATWOLE CONSTRUCTION LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Sep 9, 2021 |
| Property Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Document Number | 5473/394 |
| Book / Page | 5473 / 394 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 2021-25285 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 5473/396 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 5473/396 |
| Instrument | 2021-25286 |
| Name | VBS MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HARRISONBURG, VA 22801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Dec 15, 2020 |
| Property Address | 3 PHYLLIS LN, BRIDGEWATER, VA 22812-1671 |
| Document Number | 005342/710 |
| Book / Page | 5342 / 710 |
| Map Reference | MB 2950 PG 26 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 2020-29734 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 6, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $98.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 S POPE ST, BRIDGEWATER, VA 22812-1028 |
The 2026 property tax bill for 3 Phyllis Ln was $3,241, up 5.3% from the year before.
Source: Rockingham County assessment roll, as of June 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Bridgewater Town |
| County | Rockingham County |
| Unified School District | Rockingham County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,241.00 (+5.26%) | $491,200 (+8.48%) Land $70,000 Building $421,200 | $491,200 Land $70,000 Building $421,200 |
| 2025 | $3,079.00 | $452,800 Land $55,000 Building $397,800 | |
| 2022 | $452,800 Land $55,000 Building $397,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Phyllis Ln in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective April 13, 2024 · 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 Claims | 19 (1985–2003) |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
| 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.
Wildfire risk around 3 Phyllis Ln 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 99.1% of the US · lower than 99.6% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF BRIDGEWATER serves 6,177 people · EPA ID VA2165045 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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.
Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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