318 Union Hill Rd, Amherst, VA 24521 Property Records

Amherst County property record for 318 Union Hill Rd, Amherst, VA 24521

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,148 sqft · built 1998
Lot Size	0.489 acres (21,301 sqft)
Owner	Individual Name on Record
Last Sale	$244,000 (Dec 2022)
Tax Bill	$1,413 (2026)
Deeds & Mortgages	Sep 2023 Refinance Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`96 4 1`

Property Details

APN / Parcel Number

Primary APN	`96 4 1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,148 sqft Living Area
1st Floor Area	1,148 sqft
Basement Area	1,148 sqft
Unfinished Basement	1,148 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2007
Architectural Style	Cape Cod
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,301 sqft (0.489 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Deck Area	390 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	318 UNION HILL RD
City	AMHERST
State	VA
Zip	24521-4045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 1 SECTION 2 MILL RACE 96 4 1
Legal Subdivision	MILL RACE SD
Legal Lot Number	1
Jurisdiction	AMHERST VA
Township / Civil Division	2
Census Block Group	2
Census Block	2002
Census Tract	10201

Owner

Source: Amherst County records, as of June 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	218 UNION HILL RD, AMHERST, VA 24521-2568
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE LLC
Dec 29, 2022	Warranty Deed, Transfer · FHA Mortgage THRIVE MORTGAGE LLC
Aug 6, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF THE JAMES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2022 · Amount on Record
Deed Sale	Dec 29, 2022 · Amount on Record
Prior Sale	Aug 6, 2020 · Amount on Record
Deed Document Number	20224421
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	318 UNION HILL RD, AMHERST, VA 24521-4045
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002453
Date	Sep 1, 2023
Instrument	230002453

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Dec 29, 2022
Property Address	318 UNION HILL RD, AMHERST, VA 24521-4045
Document Number	0220004421
Instrument Date	Dec 6, 2022
Instrument	220004421
Transaction Type	Transfer
Record Updated	Feb 8, 2023
Title Company	NOT AVAILABLE, PIKE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 UNION HILL RD, AMHERST, VA 24521-4045

Mortgage

Document Number	0220004422
Date	Dec 29, 2022
Instrument	220004422

Lender

Name	THRIVE MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	470 Months
Due	Feb 21, 2062

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Aug 6, 2020
Property Address	318 UNION HILL RD, AMHERST, VA 24521-4045
Document Number	0200002545
Instrument Date	Jul 29, 2020
Instrument	200002545
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 UNION HILL RD, AMHERST, VA 24521-4045

Mortgage

Document Number	0200002546
Date	Aug 6, 2020
Instrument	200002546

Lender

Name	BANK OF THE JAMES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Amherst County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Amherst County
Municipality	Amherst Town
Unified School District	Amherst County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,413.00 (+72.74%)	$134,200 (-) Land $22,500 Building $111,700	$252,400 (+88.08%) Land $27,000 Building $225,400
2025	$818.00
2024		$134,200 (-) Land $22,500 Building $111,700	$134,200 (-) Land $22,500 Building $111,700
2023	$818.00	$134,200 Land $22,500 Building $111,700	$134,200 Land $22,500 Building $111,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.04% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF AMHERST serves 2,231 people · EPA ID VA5009050
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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