Northampton County property record for 3097 Main St, Exmore, VA 23350
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,448 sqft · built 1957 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Sep 2026) |
| Tax Bill | $1,039 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10A1-5-2 |
| Primary APN | 10A1-5-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,448 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|---|
| Heating Fuel | Oil |
| Account Number | 456250 |
|---|---|
| Street Address | 3097 MAIN ST |
| City | EXMORE |
| State | VA |
| Zip | 23350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BH & EX ROAD EXMORE LOT 2 BH & EX ROAD EXMORE |
| Legal Subdivision | EXMORE |
| Legal Lot Number | 2 |
| Jurisdiction | NORTHAMPTON VA |
| Township / Civil Division | 5 |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 930100 |
3097 Main St is owned by two individuals who bought it in September 2026.
Source: Northampton County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 53, LOCUSTVILLE, VA 23404-0053 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2026 · Amount on File |
| Deed Sale | Sep 3, 2026 · Amount on File |
| Deed Document Number | 20261623 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NORTHAMPTON VA |
| Recording Date | Sep 3, 2026 |
| Property Address | 3097 MAIN ST, EXMORE, VA 23350 |
| Document Number | 0000001623 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 20261623 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,190.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000001624, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 20261624 |
| Name | PRESIDENTIAL BANK FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 3097 Main St was $1,039.
Source: Northampton County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Northampton County |
| Municipality | Exmore Town |
| Unified School District | Northampton County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,039.00 | $147,500 Land $20,900 Building $126,600 | |
| 2024 | $147,500 (+75.6%) Land $20,900 Building $126,600 | ||
| 2023 | $638.00 | $84,000 Land $17,900 Building $66,100 | $84,000 Land $17,900 Building $66,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3097 Main St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1998.
Source: FEMA National Flood Hazard Layer, effective October 26, 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 |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 18 (1998–2018) |
| Claims Outside the SFHA | 4 of 18 |
| Most Recent Claim | Sep 2018 · river or lake flooding |
| 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 3097 Main St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 EXMORE serves 1,500 people · EPA ID VA3131210 |
|---|---|
| Water Source | Groundwater |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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 309 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Pogozone powered by Neubeam Fixed Wireless | 300 / 40 |
| Eastern Shore of Virginia Broadband Authority Fiber | 200 / 200 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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