Rockingham County property record for 403 Elm Ave, Grottoes, VA 24441
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,044 sqft · built 1970 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,900 (Sep 2023) |
| Tax Bill | $1,224 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Sep 2022 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160D3-(2)-B111 L3 |
| Primary APN | 160D3-(2)-B111 L3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,044 sqft Living Area |
| Gross Area | 1,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,979 sqft (0.275 acres) |
| Garage Area | 297 sqft |
| Driveway | Gravel Driveway |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | R26283 |
|---|---|
| Street Address | 403 ELM AVE |
| City | GROTTOES |
| State | VA |
| Zip | 24441-2658 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A2 |
| Legal Description | L 3 B 111 |
| Legal Lot Number | 3 |
| Jurisdiction | ROCKINGHAM VA |
| Township / Civil Division | STONEWALL |
| Census Block Group | 4 |
| Census Block | 4077 |
| Census Tract | 12000 |
403 Elm Ave is owned and occupied by an individual who bought it in September 2023.
Source: Rockingham County records, as of June 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 403 ELM AVE, GROTTOES, VA 24441-2658 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed, Transfer · Conventional Mortgage VBS MORTGAGE LLC |
| Sep 8, 2022 | Deed, Transfer · Line of Credit DUPONT COMMUNITY CU |
| Sep 2, 2021 | Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Jan 6, 2020 | Gift Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2023 · Amount on File |
| Deed Sale | Sep 15, 2023 · Amount on File |
| Prior Sale | Sep 8, 2022 · Amount on File |
| Deed Document Number | 202319533 |
| Deed Book / Page | 5734 / 620 |
| Prior Transfer Date | Dec 12, 2019 |
| Prior Transfer Doc | 5199/372 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Sep 15, 2023 |
| Property Address | 403 ELM AVE, GROTTOES, VA 24441-2658 |
| Document Number | 005734/620 |
| Book / Page | 5734 / 620 |
| Map Reference | MB 763 PG 602 |
| Instrument Date | Sep 14, 2023 |
| Instrument | 2023-19533 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2023 |
| Title Company | WEST VIEW TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 408 ELM AVE, GROTTOES, VA 24441-2655 |
| Document Number | 0202319534 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 2023-19534 |
| Name | VBS MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 9.5% |
| Index | 5-Year TN |
| Max Rate | 13.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Sep 8, 2022 |
| Property Address | 403 ELM AVE, GROTTOES, VA 24441-2658 |
| Document Number | 005621/127 |
| Book / Page | 5621 / 127 |
| Map Reference | MB 314 PG 670 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 2022-22109 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2022 |
| Title Company | STEWART TITLE GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 403 ELM AVE, GROTTOES, VA 24441-2658 |
| Document Number | 005621/130 |
|---|---|
| Date | Sep 8, 2022 |
| Book Page | 5621/130 |
| Instrument | 2022-22110 |
| Name | DUPONT COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | WAYNESBORO, VA 22980 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Sep 2, 2021 |
| Property Address | 403 ELM AVE, GROTTOES, VA 24441-2658 |
| Document Number | 5470/221 |
| Book / Page | 5470 / 221 |
| Map Reference | MB 763 PG 602 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 2021-24642 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 403 ELM AVE, GROTTOES, VA 24441-2658 |
| Document Number | 202124643 |
|---|---|
| Date | Sep 2, 2021 |
| Instrument | 2021-24643 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Jan 6, 2020 |
| Property Address | 403 ELM AVE, GROTTOES, VA 24441-2658 |
| Document Number | 5199/372 |
| Book / Page | 5199 / 372 |
| Map Reference | MB 314 PG 670 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 2020-00304 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2603 TACK LN, RESTON, VA 20191-2122 |
The 2026 property tax bill for 403 Elm Ave was $1,224, down 0.2% from the year before.
Source: Rockingham County assessment roll, as of June 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Rockingham County |
| Municipality | Grottoes Town |
| Unified School District | Rockingham County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,224.00 (-0.16%) | $185,500 (+2.83%) Land $44,000 Building $141,500 | $185,500 Land $44,000 Building $141,500 |
| 2025 | $1,226.00 | $180,400 Land $32,500 Building $147,900 | |
| 2023 | $1,226.00 | $180,400 Land $32,500 Building $147,900 | $180,400 (-) Land $32,500 Building $147,900 |
| 2022 | $180,400 Land $32,500 Building $147,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 Elm Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 13, 2024 · 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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 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 risk around 403 Elm Ave is low, with a 0.01% 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 | 0.01% 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 | TOWN OF GROTTOES serves 3,328 people · EPA ID VA2165330 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Glo Fiber Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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