Highland County property record for 40 Spruce St, Monterey, VA 24465
| Property Type | Retail Store |
|---|---|
| Details | built 1944 |
| Lot Size | 0.049 acres (2,159 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $359 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 31A1 2 24 |
| Primary APN | 31A1 2 24 |
|---|---|
| Alternative APN |
|
| Total Rooms | 2 Rooms |
|---|---|
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Metal |
| Lot Area | 2,159 sqft (0.049 acres) |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Account Number | 2123 |
|---|---|
| Street Address | 40 SPRUCE ST |
| City | MONTEREY |
| State | VA |
| Zip | 24465 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Store |
| Legal Description | N32E14S32W14 |
| Jurisdiction | HIGHLAND VA |
| Township / Civil Division | MONTEREY |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 970100 |
40 Spruce St, a commercial property, is owned by an individual.
Source: Highland County records, as of June 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 398, MONTEREY, VA 24465-0398 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 40 Spruce St was $359.
Source: Highland County assessment roll, as of June 12, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Highland County |
| Municipality | Monterey Town |
| Unified School District | Highland County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $359.00 | $70,500 Land $10,000 Building $60,500 | |
| 2024 | $70,500 Land $10,000 Building $60,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective April 2, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1996–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Nov 2003 · 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 risk around 40 Spruce St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 58% of Virginia |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF MONTEREY serves 300 people · EPA ID VA2091150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative Fiber | 1,000 / 500 |
5G (outdoors only) and 4G LTE
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