345 Clover Rd, Ridgeway, VA 24148 Property Records

Henry County property record for 345 Clover Rd, Ridgeway, VA 24148 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1941
Lot Size	0.926 acres (40,337 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Apr 2019)
Tax Bill	$597 (2025)
Deeds & Mortgages	Dec 2021 Refinance Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`175890000`

Property Details

APN / Parcel Number

Primary APN	`175890000`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Building Area	1,200 sqft Living Area

Exterior

Year Built	Built 1941
Lot Area	40,337 sqft (0.926 acres)

Location & Zoning

Street Address	345 CLOVER RD
City	RIDGEWAY
State	VA
Zip	24148-4483
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST RT 976 CLOVER RD TR 118 .926 ACRES
Legal Tract	118
Jurisdiction	HENRY VA
Township / Civil Division	RIDGEWAY
Census Block Group	1
Census Block	1012
Census Tract	10602

Owner

Source: Henry County records · APN 175890000

Assessment roll updated January 1, 2025 · Last verified October 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
Co-owner	Verified Secondary Owner
Mailing Address	345 CLOVER RD, RIDGEWAY, VA 24148-4483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance FREEDOM MORTGAGE CORPORATION
Apr 03, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NATIONAL BANK AND TRUST CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 03, 2019 · Amount on Record
Deed Sale	Apr 03, 2019 · Amount on Record
Prior Sale	Apr 03, 2019 · Amount on Record
Deed Document Number	190001102
Last Transfer Date	Dec 20, 2021
Transfer Doc	0210005694
Record Updated	Jun 08, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENRY VA
Recording Date	Dec 20, 2021
Property Address	345 CLOVER RD, RIDGEWAY, VA 24148-4483
Document Number	0210005694
Instrument Date	Dec 09, 2021
Instrument	210005694
Transaction Type	Transfer
Record Updated	Jan 26, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 CLOVER RD, RIDGEWAY, VA 24148-4483

Mortgage

Document Number	0210005695
Date	Dec 20, 2021
Instrument	210005695

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	331 Months
Due	Jul 01, 2049

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY VA
Recording Date	Apr 03, 2019
Property Address	345 CLOVER RD, RIDGEWAY, VA 24148-4483
Document Number	190001102
Instrument Date	Apr 03, 2019
Instrument	190001102
Transaction Type	Transfer
Record Updated	Oct 21, 2021
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	345 CLOVER RD, RIDGEWAY, VA 24148-4483

Mortgage

Document Number	190001103
Date	Apr 03, 2019
Instrument	190001103

Lender

Name	AMERICAN NATIONAL BANK AND TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Henry County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Henry County
Unified School District	Henry 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	$597.00	$107,600 (-) Land $18,000 Building $89,600
2023	$597.00	$107,600 Land $18,000 Building $89,600	$107,600 (-) Land $18,000 Building $89,600
2021			$107,600 Land $18,000 Building $89,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Henry County (51089C), updated September 26, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510890106021, 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	11 (1996–2020)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Feb 2020, other causes

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 29 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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