413 N River Rd, Bridgewater, VA 22812 Property Records

Rockingham County property record for 413 N River Rd, Bridgewater, VA 22812

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,424 sqft · built 2012
Lot Size	0.609 acres (26,528 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Dec 2011)
Tax Bill	$2,661 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit
Flood Zone	Zone X (reduced by levee)
APN	`122A1-(10)-LA`

Property Details

APN / Parcel Number

Primary APN	`122A1-(10)-LA`
Alternative APNs	`R38436` `38436`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,424 sqft Living Area
Gross Area	5,090 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,528 sqft (0.609 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R38436
Street Address	413 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 PT TR A
Legal Subdivision	MORRIS
Legal Tract	A
Jurisdiction	ROCKINGHAM VA
Township / Civil Division	ASHBY
Census Block Group	1
Census Block	1010
Census Tract	11500

Owner

Source: Rockingham County records, as of June 8, 2026

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	413 N RIVER RD, BRIDGEWATER, VA 22812-1222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2011 · Amount on Record
Deed Sale	Dec 8, 2011 · Amount on Record
Prior Sale	Dec 1, 2011 · Amount on Record
Deed Document Number	201132424
Deed Book / Page	3972 / 205
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	413 N RIVER RD, BRIDGEWATER, VA 22812-1222
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 N RIVER RD, BRIDGEWATER, VA 22812-1222

Mortgage

Document Number	005749/290
Date	Nov 3, 2023
Book Page	5749/290
Instrument	2023-23039

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	HARRISONBURG, VA 22801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,661.00	$403,300 Land $49,000 Building $354,300	$403,300 Land $49,000 Building $354,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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