Campbell County property record for 309 Frost Dr, Concord, VA 24538
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,812 sqft · built 2006 |
| Lot Size | 0.616 acres (26,833 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $272,000 (Mar 2020) |
| Tax Bill | $1,531 (2026) |
| Deeds & Mortgages | Mar 2024 Line of Credit Jan 2018 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18G-1-38 |
| Primary APN | 18G-1-38 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,812 sqft Living Area |
| Basement Area | 896 sqft |
| Unfinished Basement | 896 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 26,833 sqft (0.616 acres) |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 10035826 |
|---|---|
| Street Address | 309 FROST DR |
| City | CONCORD |
| State | VA |
| Zip | 24538-3540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CONCORD ESTATES - LOT 38 |
| Legal Subdivision | CONCORD ESTATES |
| Legal Lot Number | 38 |
| Jurisdiction | CAMPBELL VA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 20101 |
309 Frost Dr is owned and occupied by two individuals who bought it in March 2020.
Source: Campbell County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 309 FROST DR, CONCORD, VA 24538-3540 |
| 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 |
|---|---|
| Mar 26, 2024 | Deed of Trust, Mortgage · Line of Credit US BANK NATIONAL ASSOCIATION |
| Jan 22, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FEDERAL CREDIT UNION |
| Mar 25, 2020 | Warranty Deed, Transfer · FHA Mortgage WEICHERT FINANCIAL SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on File |
| Deed Sale | Mar 25, 2020 · Amount on File |
| Prior Sale | Mar 11, 2016 · Amount on File |
| Deed Document Number | 20201576 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL VA |
| Property Address | 309 FROST DR, CONCORD, VA 24538-3540 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0240001279 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 240001279 |
| Name | US BANK NATIONAL ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 26, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.45% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL VA |
| Property Address | 309 FROST DR, CONCORD, VA 24538-3540 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0180000241 |
|---|---|
| Date | Jan 22, 2018 |
| Instrument | 180000241 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL VA |
| Recording Date | Mar 25, 2020 |
| Property Address | 309 FROST DR, CONCORD, VA 24538-3540 |
| Document Number | 0200001576 |
| Instrument Date | Mar 15, 2020 |
| Instrument | 200001576 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2023 |
| Title Company | NOT AVAILABLE, RELIANCE TITLE & STLMNT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 FROST DR, CONCORD, VA 24538-3540 |
| Investor | Possibly a Property Investor |
| Document Number | 0200001577 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 200001577 |
| Name | WEICHERT FINANCIAL SERVICES |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 309 Frost Dr was $1,531.
Source: Campbell County assessment roll, as of August 18, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Campbell County |
| Unified School District | Campbell County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,531.00 | $340,300 Land $36,000 Building $304,300 | $340,300 Land $36,000 Building $304,300 |
| 2023 | $1,531.00 | $340,300 Land $36,000 Building $304,300 | $340,300 Land $36,000 Building $304,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 309 Frost Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective December 16, 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 Claims | 2 (1979–2012) |
| Most Recent Claim | Mar 2012 · 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 risk around 309 Frost Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 56% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% 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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Cable | 1,200 / 50 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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