3231 Cowford Rd, Halifax, VA 24558 Property Records

Halifax County property record for 3231 Cowford Rd, Halifax, VA 24558

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,844 sqft
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$126,500 (Oct 2007)
Tax Bill	$690 (2026)
Deeds & Mortgages	Jul 2021 Refinance Aug 2011 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`13373`

Property Details

APN / Parcel Number

Primary APN	`13373`
Alternative APN	`2945`

Interior

Bedrooms	3 Beds
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,844 sqft Living Area

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	2945
Street Address	3231 COWFORD RD
City	HALIFAX
State	VA
Zip	24558-3057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BANISTER DB432/343
Jurisdiction	HALIFAX VA
Township / Civil Division	4
Census Block Group	2
Census Block	2002
Census Tract	930602

Owner

3231 Cowford Rd is owned and occupied by two individuals who acquired it in March 2026.

Source: Halifax County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3231 COWFORD RD, HALIFAX, VA 24558-3057
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Aug 9, 2011	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Apr 10, 2009	Deed of Trust, Mortgage · Stand-Alone First Mortgage CITIFINANCIAL INC
Jun 26, 2008	Deed of Trust, Mortgage · Stand-Alone First Mortgage CITIFINANCIAL INC
Nov 24, 2009	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Mar 3, 2026	Gift Deed, Transfer
Oct 3, 2007	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2007 · Amount on File
Deed Sale	Oct 3, 2007 · Amount on File
Deed Book / Page	700 / 4142
Last Transfer Date	Mar 3, 2026
Transfer Doc	0000000707
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALIFAX VA
Property Address	3231 COWFORD RD, HALIFAX, VA 24558-3057
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002327
Date	Jul 15, 2021
Instrument	210002327

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALIFAX VA
Property Address	3231 COWFORD RD, HALIFAX, VA 24558-3057
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01100/2394
Date	Aug 9, 2011
Book Page	1100/2394

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALIFAX VA
Property Address	3231 COWFORD RD, HALIFAX, VA 24558-3057
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00900/1085
Date	Apr 10, 2009
Book Page	900/1085

Lender

Name	CITIFINANCIAL INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2039

Interest

Rate Type	Fixed Rate

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALIFAX VA
Property Address	3231 COWFORD RD, HALIFAX, VA 24558-3057
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00800/2399
Date	Jun 26, 2008
Book Page	800/2399

Lender

Name	CITIFINANCIAL INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	182 Months
Due	Aug 5, 2023

Interest

Rate Type	Fixed Rate

November 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HALIFAX VA
Property Address	3231 COWFORD RD, HALIFAX, VA 24558-3057
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00900/3754
Date	Nov 24, 2009
Book Page	900/3754

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2039

Interest

Rate Type	Fixed Rate

March 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	HALIFAX VA
Recording Date	Mar 3, 2026
Property Address	3231 COWFORD RD, HALIFAX, VA 24558-3057
Document Number	0260000707
Instrument Date	Mar 3, 2026
Instrument	260000707
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3231 COWFORD RD, HALIFAX, VA 24558-3057

October 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HALIFAX VA
Recording Date	Oct 3, 2007
Property Address	3231 COWFORD RD, HALIFAX, VA 24558-3057
Document Number	00700/4142
Book / Page	700 / 4142
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount 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

Tax Assessment & Valuation

The 2026 property tax bill for 3231 Cowford Rd was $690.

Source: Halifax County assessment roll, as of August 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$690.00	$138,093 (-) Land $10,000 Building $128,093	$138,093 (-) Land $10,000 Building $128,093
2025	$690.00	$138,093 Land $10,000 Building $128,093	$138,093 Land $10,000 Building $128,093
2023	$654.00	$130,992 Land $10,000 Building $120,992	$130,992 Land $10,000 Building $120,992

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

Flood

FEMA maps place 3231 Cowford Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 3231 Cowford Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 0.01% 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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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