409 Bruce St, Bridgewater, VA 22812 Property Records

Rockingham County property record for 409 Bruce St, Bridgewater, VA 22812

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,128 sqft · built 1956
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Mar 2026)
Tax Bill	$1,345 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`122A1-(10)-L24`

Property Details

APN / Parcel Number

Primary APN	`122A1-(10)-L24`
Alternative APNs	`R39626` `39626`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
Gross Area	1,422 sqft
Basement Area	451 sqft
Finished Basement	451 sqft
Unfinished Basement	100 sqft
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,979 sqft (0.275 acres)
Driveway	Gravel Driveway
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	R39626
Street Address	409 BRUCE ST
City	BRIDGEWATER
State	VA
Zip	22812-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MORRIS ADD L 24
Legal Subdivision	MORRIS
Legal Lot Number	24
Jurisdiction	ROCKINGHAM VA
Township / Civil Division	ASHBY
Census Block Group	1
Census Block	1023
Census Tract	11500

Owner

Source: Rockingham County records, as of July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 BRUCE ST, BRIDGEWATER, VA 22812-1417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on Record
Deed Sale	Mar 6, 2026 · Amount on Record
Deed Document Number	20265306
Deed Book / Page	6022 / 279
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	Mar 6, 2026
Property Address	409 BRUCE ST, BRIDGEWATER, VA 22812-1417
Document Number	006022/279
Book / Page	6022 / 279
Map Reference	MB 200 PG 68
Instrument Date	Feb 26, 2026
Instrument	2026-05306
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 BRUCE ST, BRIDGEWATER, VA 22812-1417

Mortgage

Document Number	0202605307
Date	Mar 6, 2026
Instrument	2026-05307

Lender

Name	TOTAL MORTAGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

Source: Rockingham County assessment roll, as of June 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,345.00	$203,800 Land $62,500 Building $141,300	$203,800 Land $62,500 Building $141,300

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 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 Record 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	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 22 claims

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	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

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

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