32 Split Rock Ln, Sperryville, VA 22740 Property Records

Rappahannock County property record for 32 Split Rock Ln, Sperryville, VA 22740

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,887 sqft · built 2008
Lot Size	18.6 acres (810,695 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,570,000 (Mar 2021)
Tax Bill	$9,913 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26 13`

Property Details

APN / Parcel Number

Primary APN	`26 13`
Alternative APNs	`0 26 13` `2344`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,887 sqft Total Area
1st Floor Area	2,173 sqft
Basement Area	2,173 sqft
Finished Basement	2,173 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Exterior Material	Logs
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	810,695 sqft (18.6 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	609 sqft
Patio Area	609 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	2344
Old Parcel Number	0 26 13
Street Address	32 SPLIT ROCK LN
City	SPERRYVILLE
State	VA
Zip	22740-2057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18.6114 ACS 2021 #386 2018 #673 2019 #951 2017 #199 865 & 1183
Legal Tract	2
Jurisdiction	RAPPAHANNOCK VA
Township / Civil Division	PIEDMONT
Census Block Group	2
Census Block	2031
Census Tract	950100

Owner

Source: Rappahannock County records, as of January 29, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5202 WISSIOMING RD, BETHESDA, MD 20816-3146
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Warranty Deed, Transfer NFM LNDG
Jan 17, 2020	Deed of Trust, Mortgage PNC BK
Sep 11, 2017	Warranty Deed, Transfer NOT AVAILABLE
Mar 4, 2017	Deed of Trust, Mortgage UNION BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2021 · Amount on Record
Deed Sale	Mar 22, 2021 · Amount on Record
Prior Sale	Sep 11, 2017 · Amount on Record
Deed Document Number	0002021386
Deed Book / Page	2021 / 386
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Mar 22, 2021
Property Address	32 SPLIT ROCK LN, SPERRYVILLE, VA 22740-2057
Document Number	210000386
Instrument Date	Mar 18, 2021
Instrument	386
Transaction Type	Transfer
Record Updated	May 4, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,570.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5202 WISSIOMING RD BETHESDA MD 208163146, BETHESDA, MD 20816-3146

Mortgage

Document Number	210000387
Date	Mar 22, 2021
Instrument	387

Lender

Name	NFM LNDG

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2051

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAPPAHANNOCK VA
Property Address	32 SPLIT ROCK LN, SPERRYVILLE, VA 22740-2057
Document Number	200000096
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	32 SPLIT ROCK LN SPERRYVILLE VA 227402057, SPERRYVILLE, VA 22740-2057

Mortgage

Document Number	200000096
Date	Feb 3, 2020
Instrument	96

Lender

Name	PNC BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.63%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Sep 11, 2017
Property Address	32 SPLIT ROCK LN, SPERRYVILLE, VA 22740-2057
Document Number	170000865
Instrument Date	Jul 26, 2017
Instrument	865
Transaction Type	Transfer
Record Updated	Feb 18, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$340.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4800 AUBURN AVE #1602 BETHESDA MD 208144064, 1602, BETHESDA, MD 20814-4064

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAPPAHANNOCK VA
Property Address	32 SPLIT ROCK LN, SPERRYVILLE, VA 22740-2057
Document Number	170000250
Instrument Date	Mar 4, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000250
Date	Mar 13, 2017
Instrument	250

Lender

Name	UNION BK&TR
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Rappahannock County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Rappahannock County
Unified School District	Rappahannock County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,913.00 (+12.2%)	$1,573,500 (+8.63%) Land $411,300 Building $1,162,200	$1,573,500 (+8.63%) Land $411,300 Building $1,162,200
2023	$8,835.00	$1,448,500 Land $411,300 Building $1,037,200	$1,448,500 Land $411,300 Building $1,037,200

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 May 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (1996–2025)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2025 · rainfall accumulation

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

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

Wildfire Risk	Moderate above 45% of the US · above 72% of Virginia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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