385 S Five Forks Rd, Monroe, VA 24574 Property Records

Amherst County property record for 385 S Five Forks Rd, Monroe, VA 24574

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,414 sqft · built 1946
Lot Size	1.01 acres (44,206 sqft)
Owner	Individual Name on Record
Tax Bill	$1,140 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`137C1 2 7-10`

Property Details

APN / Parcel Number

Primary APN	`137C1 2 7-10`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,414 sqft Living Area
1st Floor Area	1,414 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft
Flooring	Softwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1971
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,206 sqft (1.01 acres)
Porch	Slab
Deck Area	208 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	385 S FIVE FORKS RD
City	MONROE
State	VA
Zip	24574-2746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOTS 7 8 9 10 C M FERGUSON 137 C1 2 7-10
Legal Subdivision	RPTY/C M FERGUSON
Legal Lot Number	7-10
Jurisdiction	AMHERST VA
Township / Civil Division	3
Census Block Group	1
Census Block	1020
Census Tract	10401

Owner

Source: Amherst County records, as of June 23, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	385 S FIVE FORKS RD, MONROE, VA 24574-2746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBER ONE FCU
Mar 21, 2017	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jan 14, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	385 S FIVE FORKS RD, MONROE, VA 24574-2746
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250003349
Date	Nov 3, 2025
Instrument	250003349

Lender

Name	MEMBER ONE FCU
Type	Credit Union
Address	ROANOKE, VA 24016

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Sep 16, 2045

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	385 S FIVE FORKS RD, MONROE, VA 24574-2746
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000880
Date	Mar 21, 2017
Instrument	170000880

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	385 S FIVE FORKS RD, MONROE, VA 24574-2746
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200000127
Date	Jan 14, 2020
Instrument	200000127

Lender

Name	NATIONSTAR MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Amherst County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,140.00 (+58.55%)	$117,900 (-) Land $20,000 Building $97,900	$203,700 (+72.77%) Land $24,000 Building $179,700
2025	$719.00
2024		$117,900 (-) Land $20,000 Building $97,900	$117,900 (-) Land $20,000 Building $97,900
2023	$719.00	$117,900 Land $20,000 Building $97,900	$117,900 Land $20,000 Building $97,900

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 February 14, 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	2 (1996–2018)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2018 · river or lake flooding

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	Moderate above 44% of the US · above 71% of Virginia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	AMHERST CO SERVICE AUTHORITY (ACSA) serves 14,799 people · EPA ID VA5009250
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Firefly Fiber Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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