340 Osprey Rd, Cardinal, VA 23025 Property Records

Mathews County property record for 340 Osprey Rd, Cardinal, VA 23025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 2001
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$279,000 (May 2026)
Tax Bill	$1,221 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-A-171E`

Property Details

APN / Parcel Number

Primary APN	`29-A-171E`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,680 sqft Building Perimeter

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Mobile Home
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	340 OSPREY RD
City	CARDINAL
State	VA
Zip	23025-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB 243-443 PB 23-195
Legal Lot Number	171E
Jurisdiction	MATHEWS VA
Township / Civil Division	WESTVILLE
Census Block Group	2
Census Block	2002
Census Tract	951401

Owner

340 Osprey Rd is owned and occupied by two individuals who bought it in May 2026.

Source: Mathews County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	340 OSPREY RD, CARDINAL, VA 23025-2010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 10, 2023	Bargain and Sale Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 16, 2022	Bargain and Sale Deed, Transfer · Line of Credit TW ENTERPRISES PROFIT SHARING PLAN
May 7, 2019	Deed, Transfer REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Apr 10, 2023 · Amount on File
Deed Document Number	2026558
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MATHEWS VA
Recording Date	May 4, 2026
Property Address	340 OSPREY RD, CARDINAL, VA 23025-2010
Document Number	0000000558
Instrument Date	Apr 30, 2026
Instrument	2026.558
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,179.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 OSPREY RD, CARDINAL, VA 23025-2010

Mortgage

Document Number	0000000559,
Date	May 4, 2026
Instrument	2026..559

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MATHEWS VA
Recording Date	Apr 10, 2023
Property Address	340 OSPREY RD, CARDINAL, VA 23025-2010
Document Number	0230000357
Map Reference	MB 23 PG 195
Instrument Date	Mar 30, 2023
Instrument	230000357
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$107.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 OSPREY RD, CARDINAL, VA 23025-2010

Mortgage

Document Number	0230000358
Date	Apr 10, 2023
Instrument	230000358

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

November 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MATHEWS VA
Recording Date	Nov 16, 2022
Property Address	340 OSPREY RD, CARDINAL, VA 23025-2010
Document Number	0220001716
Map Reference	MB 23 PG 195
Instrument Date	Nov 10, 2022
Instrument	220001716
Transaction Type	Transfer
Record Updated	Feb 13, 2023
Title Company	ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$65.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2228 W GREAT NECK RD STE 204, 204, VIRGINIA BEACH, VA 23451-1674
Investor	Possibly a Property Investor

Mortgage

Document Number	0220001717
Date	Nov 16, 2022
Instrument	220001717

Lender

Name	TW ENTERPRISES PROFIT SHARING PLAN
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MATHEWS VA
Recording Date	May 7, 2019
Property Address	340 OSPREY RD, CARDINAL, VA 23025-2010
Document Number	190000528
Map Reference	MB 23 PG 195
Instrument Date	Apr 20, 2019
Instrument	190000528
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$131.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	340 OSPREY RD, CARDINAL, VA 23025-2010

Tax Assessment & Valuation

The 2026 property tax bill for 340 Osprey Rd was $1,221.

Source: Mathews County assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,221.00	$197,000 (-) Land $35,000 Building $162,000
2025	$1,221.00	$197,000 Land $35,000 Building $162,000
2023	$1,103.00	$197,000 Land $35,000 Building $162,000	$197,000 Land $35,000 Building $162,000

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

Flood

FEMA maps place 340 Osprey Rd in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective April 29, 2022 · 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 184 policies
Nearby Flood Policies	184 in force
Nearby Flood Claims	11 (2003–2019)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Oct 2019 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 5 claims

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 340 Osprey Rd is low, with a 0.03% 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	0.03% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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