Middlesex County property record for 348 Urbanna Rd, Saluda, VA 23149
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,232 sqft · built 2017 |
| Lot Size | 10.5 acres (458,687 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Oct 2021) |
| Tax Bill | $1,975 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27 190 |
| Primary APN | 27 190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,232 sqft Living Area |
| Gross Area | 4,809 sqft |
| 1st Floor Area | 1,568 sqft |
| Attic | Attic |
| Attic Area | 392 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 458,687 sqft (10.5 acres) |
| Garage Area | 240 sqft |
| Driveway | Paver Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 512 sqft |
| Deck Area | 225 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 1916 |
|---|---|
| Street Address | 348 URBANNA RD |
| City | SALUDA |
| State | VA |
| Zip | 23149-2556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | URBANNA ROAD 10.53 AC DB162-810 PL811 WB45-623 W20-101 |
| Jurisdiction | MIDDLESEX VA |
| Township / Civil Division | SALUDA |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 951000 |
348 Urbanna Rd is owned and occupied by two individuals who bought it in October 2021.
Source: Middlesex County records, as of October 8, 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 | 348 URBANNA RD, SALUDA, VA 23149-2556 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2021 · Amount on File |
| Deed Sale | Oct 28, 2021 · Amount on File |
| Deed Document Number | 20212792 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIDDLESEX VA |
| Recording Date | Oct 28, 2021 |
| Property Address | 348 URBANNA RD, SALUDA, VA 23149-2556 |
| Document Number | 210002792 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 210002792 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 348 URBANNA RD, SALUDA, VA 23149 |
| Document Number | 210002793 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 210002793 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
The 2026 property tax bill for 348 Urbanna Rd was $1,975.
Source: Middlesex County assessment roll, as of October 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Middlesex County |
| Unified School District | Middlesex County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,975.00 | $323,900 (-) Land $65,600 Building $258,300 | $323,900 (-) Land $65,600 Building $258,300 |
| 2025 | $1,975.00 | $323,900 Land $65,600 Building $258,300 | $323,900 Land $65,600 Building $258,300 |
| 2023 | $1,975.00 | $323,900 Land $65,600 Building $258,300 | $323,900 Land $65,600 Building $258,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 348 Urbanna Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
Source: FEMA National Flood Hazard Layer, effective November 25, 2025 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
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 risk around 348 Urbanna Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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