404 Winthrop Rd, Ridgeway, VA 24148 Property Records

Henry County property record for 404 Winthrop Rd, Ridgeway, VA 24148

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,618 sqft · built 1992
Lot Size	0.794 acres (34,587 sqft)
Owner	Individual Name on Record
Tax Bill	$910 (2025)
Deeds & Mortgages	Mar 2009 Mortgage May 2005 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`065510064`

Property Details

APN / Parcel Number

Primary APN	`065510064`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	1,618 sqft Living Area

Exterior

Year Built	Built 1992
Lot Area	34,587 sqft (0.794 acres)

Location & Zoning

Street Address	404 WINTHROP RD
City	RIDGEWAY
State	VA
Zip	24148-3295
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	SHEFFIELD PLACE SUB WINTHROPRD LOT 15 .794 ACRES
Legal Subdivision	SHEFFIELD PLACE SUB
Legal Lot Number	15
Jurisdiction	HENRY VA
Township / Civil Division	RIDGEWAY
Census Block Group	2
Census Block	2004
Census Tract	10602

Owner

Source: Henry County records, as of October 8, 2025

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 WINTHROP RD, RIDGEWAY, VA 24148-3295
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2009	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NATIONAL BANK AN
May 31, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST GREENSBORO HOME EQU
Nov 13, 2012	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK AN
Sep 20, 2011	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK AN
May 31, 2005	Deed of Trust, Mortgage · ARM FIRST GREENSBORO HOME EQU
Nov 9, 2007	Trustee's Deed, Foreclosure · Conventional Mortgage AMERICAN NATIONAL BANK AN

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 9, 2007
Transfer Doc	700/6403
Record Updated	Jun 8, 2026

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY VA
Property Address	404 WINTHROP RD, RIDGEWAY, VA 24148-3295
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000900/948
Date	Mar 9, 2009
Book Page	900/948

Lender

Name	AMERICAN NATIONAL BANK AN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2039

Interest

Rate Type	Fixed Rate
Rate	4.75%

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY VA
Property Address	404 WINTHROP RD, RIDGEWAY, VA 24148-3295
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00500/3233
Date	May 31, 2005
Book Page	500/3233

Lender

Name	FIRST GREENSBORO HOME EQU

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 27, 2020

Interest

Rate Type	Fixed Rate

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY VA
Property Address	404 WINTHROP RD, RIDGEWAY, VA 24148-3295
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01200/4294
Date	Nov 13, 2012
Book Page	1200/4294

Lender

Name	AMERICAN NATIONAL BANK AN

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY VA
Property Address	404 WINTHROP RD, RIDGEWAY, VA 24148-3295
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01100/3316
Date	Sep 20, 2011
Book Page	1100/3316

Lender

Name	AMERICAN NATIONAL BANK AN

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 10, 2031

Interest

Rate Type	Adjustable Rate

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY VA
Property Address	404 WINTHROP RD, RIDGEWAY, VA 24148-3295
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00500/3232
Date	May 31, 2005
Book Page	500/3232

Lender

Name	FIRST GREENSBORO HOME EQU

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.79%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2007

November 2007: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HENRY VA
Recording Date	Nov 9, 2007
Property Address	404 WINTHROP RD, RIDGEWAY, VA 24148-3295
Document Number	00700/6403
Book / Page	700 / 6403
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007006404
Date	Nov 9, 2007
Instrument	700/6404

Lender

Name	AMERICAN NATIONAL BANK AN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Henry County assessment roll, as of January 1, 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	$910.00	$164,000 (-) Land $25,000 Building $139,000
2023	$910.00	$164,000 Land $25,000 Building $139,000	$164,000 (-) Land $25,000 Building $139,000
2021			$164,000 Land $25,000 Building $139,000

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 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

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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

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