407 Thomas St, Staunton, VA 24401 Property Records

Staunton City property record for 407 Thomas St, Staunton, VA 24401

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,299 sqft · built 1989
Lot Size	1.02 acres (44,671 sqft)
Owner	Individual Name on Record
Last Sale	$117,800 (Oct 2013)
Tax Bill	$3,139 (2026)
Deeds & Mortgages	Jan 2021 Line of Credit Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10742`

Property Details

APN / Parcel Number

Primary APN	`10742`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,299 sqft Living Area
Gross Area	2,793 sqft
1st Floor Area	961 sqft
Basement Area	961 sqft
Finished Basement	450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1993
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,671 sqft (1.02 acres)
Terrain	Below Road/Slope
Garage Type	Basement
Garage Area	288 sqft
Driveway	Asphalt Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	407 THOMAS ST
City	STAUNTON
State	VA
Zip	24401-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 6-1.026 ACRES
Legal Subdivision	BRANDON RALSTON
Legal Lot Number	1-6
Jurisdiction	STAUNTON CITY VA
Township / Civil Division	STAUNTON
Census Block Group	3
Census Block	3000
Census Tract	300

Owner

Source: Staunton City records, as of August 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	407 THOMAS ST, STAUNTON, VA 24401-2637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · Line of Credit DUPONT COMMUNITY CU
Mar 21, 2017	Deed of Trust, Mortgage · Line of Credit DUPONT COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2013 · Amount on Record
Deed Sale	Oct 7, 2013 · Amount on Record
Deed Document Number	20132594
Prior Transfer Date	Apr 4, 2011
Prior Transfer Doc	0000000803
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	407 THOMAS ST, STAUNTON, VA 24401-2637
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000295
Date	Jan 29, 2021
Instrument	210000295

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union
Address	WAYNESBORO, VA 22980

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	403 Months
Due	Aug 7, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	407 THOMAS ST, STAUNTON, VA 24401-2637
Transaction Type	Mortgage
Record Updated	Apr 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 170000665
Date	Mar 21, 2017
Instrument	170000665

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union
Address	WAYNESBORO, VA 22980

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Mar 9, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Staunton City assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Staunton City
Unified School District	Staunton City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,139.00 (+15.32%)	$344,960 (+12.75%) Land $95,460 Building $249,500	$344,960 (+12.75%) Land $95,460 Building $249,500
2023	$2,722.00	$305,950 Land $83,850 Building $222,100	$305,950 Land $83,850 Building $222,100

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 March 28, 2022 · 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	2 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF STAUNTON serves 25,750 people · EPA ID VA2790600
Water Source	Surface water
Last State Inspection	May 2025
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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. 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 399 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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