Westmoreland County property record for 40 Thomas Ct, Montross, VA 22520
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,812 sqft · built 1986 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,287 (2025) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23E-156 |
| Primary APN | 23E-156 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| Basement Area | 1,638 sqft |
| Finished Basement | 546 sqft |
| Unfinished Basement | 1,092 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Mud Sill |
| Roof Material | Composition Shingle |
| Porch | Enclosed Porch |
| Deck Area | 110 sqft |
| Boat Lift | Boat Lift |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 10728 |
|---|---|
| Old Parcel Number | 23E-156 |
| Street Address | 40 THOMAS CT |
| City | MONTROSS |
| State | VA |
| Zip | 22520-8837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | CURRIOMAN BAY ESTATES LOTS 156 & 157DB 489 PG 270 |
| Legal Subdivision | CURRIOMAN BAY ESTATES |
| Legal Lot Number | 156-157 157 |
| Jurisdiction | WESTMORELAND VA |
| Township / Civil Division | MONTROSS |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 10200 |
Source: Westmoreland County records, as of January 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 40 THOMAS CT, MONTROSS, VA 22520-8837 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000489270 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTMORELAND VA |
| Property Address | 40 THOMAS CT, MONTROSS, VA 22520-8837 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2018 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|
| Document Number | 8971199 |
|---|---|
| Date | Jul 19, 2017 |
| Instrument | 8971199 |
| Name | BRANCH BANKING & TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Westmoreland County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Westmoreland County |
| Unified School District | Westmoreland County Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,287.00 (+9.68%) | $483,400 (-) Land $256,000 Building $227,400 | $483,400 (-) Land $256,000 Building $227,400 |
| 2023 | $2,997.00 | $483,400 Land $256,000 Building $227,400 | $483,400 Land $256,000 Building $227,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 22, 2022 · 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 3 (2003–2020) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Nov 2020 · rainfall accumulation |
Source: USFWS Coastal Barrier Resources System, as of December 19, 2024
| Coastal Barrier Resources System | Yes |
|---|---|
| Unit | VA-29 “Elbow Point” |
| Unit Type | System Unit |
| Designated | Nov 16, 1990 |
| NFIP Eligibility | Eligible (built 1986) built before the Nov 16, 1990 cutoff |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.6% of Virginia |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | STRATFORD HARBOUR private · serves 1,230 people · EPA ID VA4193920 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2024–2026) 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.
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 |
| Starlink Satellite | 280 / 30 |
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