3586 Skipjack Rd, Kinsale, VA 22488 Property Records

Westmoreland County property record for 3586 Skipjack Rd, Kinsale, VA 22488

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,844 sqft · built 1960
Owner	Company Name on Record
Last Sale	$490,000 (Jul 2025)
Tax Bill	$2,632 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Dec 2019 Transfer
Flood Zone	Zone AE (high risk)
APN	`50A-2-7-5`

Property Details

APN / Parcel Number

Primary APN	`50A-2-7-5`
Alternative APN	`5443`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,844 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Asbestos
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Composition Shingle
Porch	Finished/Screened Porch
Deck Area	25 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5443
Old Parcel Number	50A-2-7-5
Street Address	3586 SKIPJACK RD
City	KINSALE
State	VA
Zip	22488-2047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WM
Legal Description	SANDY PT BEACH LOT 5 BK 7DB 926 PG 1519
Legal Subdivision	SANDY PT BCH
Legal Block	7
Legal Lot Number	5
Jurisdiction	WESTMORELAND VA
Township / Civil Division	COPLE
Census Block Group	2
Census Block	2002
Census Tract	10102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Spence's Point listed 1971 · 2 contributing resources · National Historic Landmark (designated 1971) · NRIS 71000991

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Westmoreland County records, as of January 16, 2026

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

Owner of Record	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	843 VAN BUREN ST, HERNDON, VA 20170-4652
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage M & T BANK
Dec 27, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 11, 2025 · Amount on Record
Deed Sale	Jul 11, 2025 · Amount on Record
Prior Sale	Dec 27, 2019
Deed Document Number	0000993664
Deed Book / Page	993 / 664
Record Updated	Jun 8, 2026

July 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WESTMORELAND VA
Recording Date	Jul 11, 2025
Property Address	3586 SKIPJACK RD, KINSALE, VA 22488-2047
Document Number	000993/664
Book / Page	993 / 664
Instrument Date	Jul 8, 2025
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	843 VAN BUREN ST, HERNDON, VA 20170-4652

Mortgage

Document Number	0000993669
Date	Jul 11, 2025
Instrument	993/669

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.5%

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTMORELAND VA
Recording Date	Dec 27, 2019
Property Address	3586 SKIPJACK RD, KINSALE, VA 22488-2047
Document Number	0009261519
Instrument Date	Dec 14, 2019
Instrument	09261519
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 CEDAR CROSSING TRL, MIDLOTHIAN, VA 23114-3149
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Westmoreland County assessment roll, as of October 15, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,632.00 (+9.67%)	$387,200 (-) Land $181,000 Building $206,200	$387,200 (-) Land $181,000 Building $206,200
2023	$2,400.00	$387,200 Land $181,000 Building $206,200	$387,200 Land $181,000 Building $206,200

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 22, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	4 (2003–2021)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2021
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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

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	Indirect within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SANDY POINT SUBDIVISION private · serves 143 people · EPA ID VA4193840
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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