401 River Trl, Shipman, VA 22971 Property Records

Nelson County property record for 401 River Trl, Shipman, VA 22971

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,698 sqft · built 1996
Lot Size	8.39 acres (365,468 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Nov 2014)
Tax Bill	$3,550 (2026)
Deeds & Mortgages	Jul 2018 Mortgage Feb 2013 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`46 4 7`

Property Details

APN / Parcel Number

Primary APN	`46 4 7`
Alternative APN	`02960`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,698 sqft Finished Area
Basement Area	2,698 sqft
Unfinished Basement	2,698 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	365,468 sqft (8.39 acres)
Terrain	High
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	508 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Account Number	02960
Street Address	401 RIVER TRL
City	SHIPMAN
State	VA
Zip	22971-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER TRAILS DB 319-673
Legal Subdivision	RIVER TRAILS
Jurisdiction	NELSON VA
Township / Civil Division	EAST
Census Block Group	1
Census Block	1032
Census Tract	950102

Owner

Source: Nelson County records, as of June 26, 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	401 RIVER TRL, SHIPMAN, VA 22971-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2018	Deed of Trust, Mortgage UNION BANK
Feb 8, 2013	Deed of Trust, Mortgage · Conventional Mortgage UNION MORTGAGE GROUP INC
Nov 3, 2014	Bargain and Sale Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2014 · Amount on Record
Deed Sale	Nov 3, 2014 · Amount on Record
Deed Document Number	20142633
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON VA
Property Address	401 RIVER TRL, SHIPMAN, VA 22971-2103
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000180001548
Date	Jul 16, 2018
Instrument	000180001548

Lender

Name	UNION BANK
Type	Bank

Agreement

Amount	Amount Recorded

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NELSON VA
Property Address	401 RIVER TRL, SHIPMAN, VA 22971-2103
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0130000458
Date	Feb 8, 2013
Instrument	130000458

Lender

Name	UNION MORTGAGE GROUP INC
Type	Mortgage Company
Address	ANNANDALE, VA 22003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2043

Interest

Rate	3.6%

November 2014: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	NELSON VA
Recording Date	Nov 3, 2014
Property Address	401 RIVER TRL, SHIPMAN, VA 22971-2103
Document Number	0140002633
Map Reference	CAB2 SL527
Instrument Date	Oct 20, 2014
Instrument	140002633
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	401 RIVER TRL, SHIPMAN, VA 22971-2103

Tax Assessment & Valuation

Source: Nelson County assessment roll, as of June 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,550.00 (+11.81%)	$634,000 (+29.79%) Land $91,800 Building $542,200	$634,000 (+29.79%) Land $91,800 Building $542,200
2025		$488,500 (-) Land $77,400 Building $411,100	$488,500 (-) Land $77,400 Building $411,100
2023	$3,175.00	$488,500 Land $77,400 Building $411,100	$488,500 Land $77,400 Building $411,100

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 August 4, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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