404 Henry Clay Rd, Ashland, VA 23005 Property Records

Hanover County property record for 404 Henry Clay Rd, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,996 sqft · built 1960
Lot Size	0.417 acres (18,165 sqft)
Owner	Individual Name on Record
Tax Bill	$3,359 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7870-42-6872`

Property Details

APN / Parcel Number

Primary APN	`7870-42-6872`
Alternative APN	`10199884`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,996 sqft Living Area
1st Floor Area	1,996 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	18,165 sqft (0.417 acres)
Porch	Patio
Porch Area	180 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Account Number	10199884
Street Address	404 HENRY CLAY RD
City	ASHLAND
State	VA
Zip	23005-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 80 FTN/S HENRY CLAY RD
Jurisdiction	HANOVER VA
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1022
Census Tract	320601

Owner

Source: Hanover County records, as of June 4, 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	404 HENRY CLAY RD, ASHLAND, VA 23005-1411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2018	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Mar 2, 2018	Deed of Trust, Mortgage · Line of Credit WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	404 HENRY CLAY RD, ASHLAND, VA 23005-1411
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032112561
Date	Oct 31, 2018
Book Page	3211/2561
Instrument	20181031000133000

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2023

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	404 HENRY CLAY RD, ASHLAND, VA 23005-1411
Document Number	3195750
Instrument Date	Mar 2, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	3195750
Date	Mar 13, 2018
Book Page	003195/000750
Instrument	29880

Lender

Name	WFB NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hanover County assessment roll, as of June 4, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Ashland Town
County	Hanover County
Unified School District	Hanover County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,359.00	$414,800 Land $104,200 Building $310,600	$414,800 Land $104,200 Building $310,600

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 January 29, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2012–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2018 · 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HANOVER SUBURBAN WATER SYSTEM serves 57,931 people · EPA ID VA4085398
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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