401 Romana Dr, Ridgeway, VA 24148 Property Records

Henry County property record for 401 Romana Dr, Ridgeway, VA 24148

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,077 sqft · built 1972
Lot Size	0.99 acres (43,062 sqft)
Owner	Individual Name on File
Last Sale	$279,900 (Apr 2026)
Tax Bill	$1,001 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2024 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`045450000`

Property Details

APN / Parcel Number

Primary APN	`045450000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,077 sqft Living Area
Basement Area	1,870 sqft
Unfinished Basement	1,870 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	43,062 sqft (0.99 acres)
Garage Type	Attached
Garage Area	424 sqft

Location & Zoning

Street Address	401 ROMANA DR
City	RIDGEWAY
State	VA
Zip	24148-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	SHANNON HILLS LOT 37 SEC E
Legal Subdivision	SHANNON HILLS SUBDIVISION
Legal Lot Number	37
Jurisdiction	HENRY VA
Township / Civil Division	RIDGEWAY
Census Block Group	2
Census Block	2015
Census Tract	10601

Owner

401 Romana Dr is owned and occupied by an individual who bought it in April 2026.

Source: Henry County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	401 ROMANA DR, RIDGEWAY, VA 24148-3436
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE
Apr 19, 2024	Warranty Deed, Transfer · Line of Credit CARTER BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2026 · Amount on File
Deed Sale	Apr 14, 2026 · Amount on File
Prior Sale	Apr 19, 2024 · Amount on File
Deed Document Number	20261362
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HENRY VA
Recording Date	Apr 14, 2026
Property Address	401 ROMANA DR, RIDGEWAY, VA 24148-3436
Document Number	0000001362
Instrument Date	Mar 10, 2026
Instrument	2026.1362
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,269.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 ROMANA DR, RIDGEWAY, VA 24148-3436

Mortgage

Document Number	0000001363,
Date	Apr 14, 2026
Instrument	2026..1363

Lender

Name	SOUTHERN TRUST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY VA
Recording Date	Apr 19, 2024
Property Address	401 ROMANA DR, RIDGEWAY, VA 24148-3436
Document Number	0240001406
Instrument Date	Apr 17, 2024
Instrument	240001406
Transaction Type	Transfer
Record Updated	May 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 HUNT WOODS DR, MARTINSVILLE, VA 24112-0570

Mortgage

Document Number	0240001407
Date	Apr 19, 2024
Instrument	240001407

Lender

Name	CARTER BANK & TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 19, 2034

Interest

Rate Type	Adjustable Rate
Rate	7.5%

Tax Assessment & Valuation

The 2025 property tax bill for 401 Romana Dr was $1,001.

Source: Henry County assessment roll, as of October 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,001.00	$180,400 Land $25,000 Building $155,400
2023	$1,001.00	$180,400 Land $25,000 Building $155,400	$180,400 Land $25,000 Building $155,400
2021			$180,400 Land $25,000 Building $155,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 401 Romana Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · 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	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

Wildfire risk around 401 Romana Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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	UPPER SMITH RIVER WATER SUPPLY serves 29,721 people · EPA ID VA5089852
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	3 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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