404 Whispering Pine Ln, Millboro, VA 24460 Property Records

Bath County property record for 404 Whispering Pine Ln, Millboro, VA 24460

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,300 sqft · built 2005
Lot Size	32.8 acres (1,429,639 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,762 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43 1 1`

Property Details

APN / Parcel Number

Primary APN	`43 1 1`
Alternative APN	`213000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,300 sqft Total Area
1st Floor Area	1,040 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,429,639 sqft (32.8 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	32 sqft
Shed	1 Shed
Shed Area	768 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	213000
Street Address	404 WHISPERING PINE LN
City	MILLBORO
State	VA
Zip	24460-2640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COW PASTURE RIVER
Jurisdiction	BATH VA
Township / Civil Division	WILLIAMSVILLE
Census Block Group	2
Census Block	2086
Census Tract	920101

Owner

404 Whispering Pine Ln is owned by two individuals who acquired it in December 2014.

Source: Bath County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 COLONIAL CT, WELLSVILLE, PA 17365-9238
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 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2014
Deed Sale	Dec 17, 2014
Deed Document Number	2014725
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH VA
Property Address	404 WHISPERING PINE LN, MILLBORO, VA 24460-2640
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000229
Date	Apr 11, 2017
Instrument	170000229

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	333 Months
Due	Jan 1, 2045

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH VA
Property Address	404 WHISPERING PINE LN, MILLBORO, VA 24460-2640
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000229
Date	Apr 11, 2017
Instrument	170000229

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	333 Months
Due	Jan 1, 2045

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH VA
Property Address	404 WHISPERING PINE LN, MILLBORO, VA 24460-2640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000229
Date	Apr 11, 2017
Instrument	170000229

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	333 Months
Due	Jan 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 404 Whispering Pine Ln was $1,762, up 11.7% from the year before.

Source: Bath County assessment roll, as of December 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,762.00 (+11.66%)	$263,000 Land $140,500 Building $122,500
2024	$1,578.00		$263,000 (-) Land $140,500 Building $122,500
2023	$1,578.00	$263,000 Land $140,500 Building $122,500	$263,000 Land $140,500 Building $122,500

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

Flood

FEMA maps place 404 Whispering Pine Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 26, 2024 · 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	4 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 404 Whispering Pine Ln is moderate, ranking above 50% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 78% of Virginia
Wildfire Likelihood	0.09% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lingo Networks Fiber	1,000 / 1,000
BARC Connects Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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