Rockingham County property record for 405 N River Rd, Bridgewater, VA 22812
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,310 sqft · built 1962 |
| Lot Size | 0.473 acres (20,604 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $320,000 (Apr 2026) |
| Tax Bill | $1,601 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 122A1-(10)-L1D |
| Primary APN | 122A1-(10)-L1D |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,310 sqft Living Area |
| Gross Area | 1,438 sqft |
| Basement Area | 1,310 sqft |
| Unfinished Basement | 1,310 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,604 sqft (0.473 acres) |
| Garage Area | 330 sqft |
| Driveway | Paver Driveway |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | R3515 |
|---|---|
| Street Address | 405 N RIVER RD |
| City | BRIDGEWATER |
| State | VA |
| Zip | 22812-1222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | MORRIS ADD L D |
| Legal Subdivision | MORRIS |
| Legal Lot Number | D |
| Jurisdiction | ROCKINGHAM VA |
| Township / Civil Division | ASHBY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 11500 |
405 N River Rd is owned by a company that bought it in April 2026.
Source: Rockingham County records, as of July 2, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 405 N RIVER RD, BRIDGEWATER, VA 22812-1222 |
| Owner Type | Company |
| Vesting | Joint Tenants |
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 |
|---|---|
| Apr 7, 2026 | Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Apr 7, 2026 | Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2026 · Amount on File |
| Deed Sale | Apr 7, 2026 · Amount on File |
| Prior Sale | Jan 7, 2025 · Amount on File |
| Deed Document Number | 20267507 |
| Deed Book / Page | 6033 / 37 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Apr 7, 2026 |
| Property Address | 405 N RIVER RD, BRIDGEWATER, VA 22812-1222 |
| Document Number | 0000007507 |
| Book / Page | 6033 / 37 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 20267507 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,320.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 405 N RIVER RD, BRIDGEWATER, VA 22812-1222 |
| Document Number | 0000007508, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 20267508 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROCKINGHAM VA |
| Recording Date | Apr 7, 2026 |
| Property Address | 405 N RIVER RD, BRIDGEWATER, VA 22812-1222 |
| Document Number | 0006033/37 |
| Book / Page | 6033 / 37 |
| Instrument Date | Mar 19, 2026 |
| Instrument | 20267507 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32,320.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 405 N RIVER RD, BRIDGEWATER, VA 22812-1222 |
| Document Number | 0000007508, |
|---|---|
| Date | Apr 7, 2026 |
| Instrument | 20267508 |
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 405 N River Rd was $1,601, up 8% from the year before.
Source: Rockingham County assessment roll, as of June 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Bridgewater Town |
| County | Rockingham County |
| Unified School District | Rockingham County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,601.00 (+8.03%) | $242,698 (+11.33%) Land $49,000 Building $193,698 | $242,698 Land $49,000 Building $193,698 |
| 2025 | $1,482.00 | $218,000 Land $35,000 Building $183,000 | |
| 2022 | $218,000 Land $35,000 Building $183,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 N River Rd in Zone X, where a levee reduces flood risk, though there have been 29 flood claims nearby since 1985.
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 reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 29 (1985–2023) |
| Claims Outside the SFHA | 6 of 29 |
| Most Recent Claim | Jul 2023 · other causes |
| Claims by Event |
|
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 405 N River Rd is low, with less than 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 93% of the US · lower than 95% of Virginia |
|---|---|
| Wildfire Likelihood | Under 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 BRIDGEWATER serves 6,177 people · EPA ID VA2165045 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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 243 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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