3192 Adner Rd, Saluda, VA 23149 Property Records

Gloucester County property record for 3192 Adner Rd, Saluda, VA 23149 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,556 sqft · built 2011
Lot Size	5.54 acres (241,322 sqft)
Owner	Individual Name on File
Tax Bill	$3,138 (2025)
Deeds & Mortgages	Jan 2021 Refinance Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43613`

Property Details

APN / Parcel Number

Primary APN	`43613`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,556 sqft Living Area
Gross Area	2,312 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	241,322 sqft (5.54 acres)
Garage Area	576 sqft
Pool Area	392 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3192 ADNER RD
City	SALUDA
State	VA
Zip	23149-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADNER PARCEL A
Legal Subdivision	PLAT: PB25 983
Jurisdiction	GLOUCESTER VA
Township / Civil Division	PETSWORTH
Census Block Group	1
Census Block	1001
Census Tract	100102

Owner

Source: Gloucester County records · APN 43613

Assessment roll updated January 1, 2025 · Last verified November 2025

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

Owner of Record	Individual Name on File
Mailing Address	3192 ADNER RD, SALUDA, VA 23149-2901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 03, 2020
Deed Sale	Mar 03, 2020
Deed Document Number	IW 2020044
Record Updated	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3192 ADNER RD, SALUDA, VA 23149-2901
Transaction Type	Mortgage
Record Updated	Mar 03, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000810
Date	Jan 28, 2021
Instrument	210000810

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GLOUCESTER VA
Property Address	3192 ADNER RD, SALUDA, VA 23149-2901
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200003044
Date	Jun 25, 2020
Instrument	200003044

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Gloucester County records · Assessment roll updated January 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Gloucester County
Unified School District	Gloucester County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,138.00 (+5.3%)	$511,190 (-) Land $81,900 Building $429,290	$511,190 (-) Land $81,900 Building $429,290
2024	$2,980.00	$511,190 (-) Land $81,900 Building $429,290	$511,190 (-) Land $81,900 Building $429,290
2023	$2,980.00 (+15.86%)	$511,190 (+44.07%) Land $81,900 Building $429,290	$511,190 (+44.07%) Land $81,900 Building $429,290
2022	$2,572.00	$354,810 Land $58,840 Building $295,970	$354,810 Land $58,840 Building $295,970

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gloucester County (51073C), updated October 20, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510731001021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force

Wildfire

Wildfire Risk	Low above 34% of the US · above 57% of Virginia
Wildfire Likelihood	About 1 in 3,448 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 8 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	25 / 6
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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