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309 Willow Oaks Dr, Elkton, VA 22827 Property Records

Rockingham County property record for 309 Willow Oaks Dr, Elkton, VA 22827

Property Summary

Property TypeDuplex
Details3 bd · 2 ba · 1,493 sqft · built 2023
Lot Size0.124 acres (5,401 sqft)
OwnerIndividual Name on File
Last Sale$308,909 (May 2026)
Tax Bill$1,360 (2025)
Deeds & MortgagesMay 2026 Sale & Mortgage
May 2026 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN131B2-(19)-L7B

Property Details

APN / Parcel Number

Primary APN131B2-(19)-L7B
Alternative APNs
  • R47685
  • 47685

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,493 sqft Total Area
Gross Area2,007 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleDuplex Single
Exterior MaterialVinyl
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area5,401 sqft (0.124 acres)
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerSeptic
Water SourceCommercial

Location & Zoning

Account NumberR47685
Street Address309 WILLOW OAKS DR
CityELKTON
StateVA
Zip22827-1492
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeTOWN
Legal DescriptionWILLOW OAKS L7B
Legal SubdivisionSUBDIVISION PLAT WILLOW OAKS
JurisdictionROCKINGHAM VA
Township / Civil DivisionSTONEWALL
Census Block Group1
Census Block1003
Census Tract10200

Owner

309 Willow Oaks Dr, a duplex, is owned and occupied by an individual who bought it in May 2026.

Source: Rockingham County records, as of June 8, 2026

Owner of RecordIndividual Name on File
Mailing Address309 WILLOW OAKS DR, ELKTON, VA 22827-1492
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

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

DateDocument
May 6, 2026Warranty Deed, Transfer · Conventional Mortgage
FREEDOM MORTGAGE CORPORATION
May 6, 2026Warranty Deed, Transfer · Conventional Mortgage
FREEDOM MORTGAGE CORPORATION
Jan 26, 2024Deed, Transfer · VA Mortgage
CARDINAL FINANCIAL COMPANY LP
May 22, 2023Deed, Transfer
STEWART TITLE, STEWART TITLE GUARANTY CO
Dec 15, 2020Deed, Transfer
STEWART TITLE, STEWART TITLE GUARANTY CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 6, 2026 · Amount on File
Deed SaleMay 6, 2026 · Amount on File
Prior SaleJan 26, 2024 · Amount on File
Deed Document Number20269993
Deed Book / Page6045 / 199
Record UpdatedOct 29, 2026

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionROCKINGHAM VA
Recording DateMay 6, 2026
Property Address309 WILLOW OAKS DR, ELKTON, VA 22827-1492
Document Number0000009993
Book / Page6045 / 199
Instrument DateMar 31, 2026
Instrument2026.9993
Transaction TypeTransfer
Record UpdatedMay 15, 2026
Title CompanyMORTGAGE CONNECT

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$31,199.91
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address309 WILLOW OAKS DR, ELKTON, VA 22827-1492

Mortgage

Document Number0000009994,
DateMay 6, 2026
Instrument2026..9994
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term342 Months
DueNov 1, 2054
Interest
Rate TypeFixed Rate
Rate6.38%
Initial TypeFixed Rate
Max Rate-1%

May 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionROCKINGHAM VA
Recording DateMay 6, 2026
Property Address309 WILLOW OAKS DR, ELKTON, VA 22827-1492
Document Number006045/199
Book / Page6045 / 199
Instrument DateMar 31, 2026
Instrument20269993
Transaction TypeTransfer
Record UpdatedAug 25, 2026
Title CompanyMORTGAGE CONNECT

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$31,199.91
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address309 WILLOW OAKS DR, ELKTON, VA 22827-1492

Mortgage

Document Number0000009994,
DateMay 6, 2026
Instrument20269994
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term342 Months
DueNov 1, 2054
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

January 2024: Deed, Transfer

Document TypeDeed
JurisdictionROCKINGHAM VA
Recording DateJan 26, 2024
Property Address309 WILLOW OAKS DR, ELKTON, VA 22827-1492
Document Number005770/499
Book / Page5770 / 499
Map ReferenceMB 3078 PG 386
Instrument DateJan 12, 2024
Instrument2024-01850
Transaction TypeTransfer
Record UpdatedFeb 13, 2024
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$302.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address309 WILLOW OAKS DR, ELKTON, VA 22827-1492

Mortgage

Document Number0202401851
DateJan 26, 2024
Instrument2024-01851
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2054

May 2023: Deed, Transfer

Document TypeDeed
JurisdictionROCKINGHAM VA
Recording DateMay 22, 2023
Property AddressELKTON, VA 22827
Document Number005698/399
Book / Page5698 / 399
Map ReferenceMB 3078 PG 386
Instrument DateMay 15, 2023
Instrument2023-10321
Transaction TypeTransfer
Record UpdatedJun 9, 2023
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

AmountAmount on Record
Tax$47.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address282 UNIVERSITY BLVD, HARRISONBURG, VA 22801-3748

December 2020: Deed, Transfer

Document TypeDeed
JurisdictionROCKINGHAM VA
Recording DateDec 15, 2020
Property AddressELKTON, VA 22827
Document Number005342/190
Book / Page5342 / 190
Map ReferenceMB 3078 PG 386
Instrument DateDec 14, 2020
Instrument2020-29708
Transaction TypeTransfer
Record UpdatedJun 6, 2022
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

AmountAmount on Record
Tax$210.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3117 RIVER RD, ELKTON, VA 22827-2404

Tax Assessment & Valuation

The 2025 property tax bill for 309 Willow Oaks Dr was $1,360.

Source: Rockingham County assessment roll, as of June 8, 2026

Property Jurisdictions

TypeName
StateVirginia
CountyRockingham County
MunicipalityElkton Town
Unified School DistrictRockingham County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$210,100 (+5%) Land $35,000 Building $175,100$210,100 Land $35,000 Building $175,100
2025$1,360.00$200,100 Land $25,000 Building $175,100
2023$170.00$25,000 Land $25,000$25,000 (-87.51%) Land $25,000
2022$200,100 Land $25,000 Building $175,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 309 Willow Oaks Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective April 13, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims3 (1996)
Most Recent ClaimSep 1996 · Hurricane Fran And Associated Severe Storm Cond
Claims by Event
  • Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 2 claims

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 309 Willow Oaks Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

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 SystemTOWN OF ELKTON
serves 2,595 people · EPA ID VA2165270
Water SourceGroundwater
Last State InspectionOct 2024
Lead3 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 139 locations within half a mile, as of December 31, 2025

ProviderMax 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

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