4198 E Point Rd, Elkton, VA 22827 Property Records

Rockingham County property record for 4198 E Point Rd, Elkton, VA 22827

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,569 sqft · built 1922
Lot Size	0.993 acres (43,255 sqft)
Owner	Company Name on Record
Last Sale	$161,500 (Aug 2018)
Tax Bill	$1,264 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114-(A)-L140`

Property Details

APN / Parcel Number

Primary APN	`114-(A)-L140`
Alternative APNs	`R28909` `28909`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,569 sqft Living Area
Gross Area	1,921 sqft
Flooring	Vinyl/Resilient
Interior Walls	Paneling

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	43,255 sqft (0.993 acres)
Garage Area	312 sqft
Driveway	Paver Driveway
Driveway Area	400 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R28909
Street Address	4198 E POINT RD
City	ELKTON
State	VA
Zip	22827-2622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A2
Legal Description	GREENWOOD
Legal Subdivision	GREENWOOD
Jurisdiction	ROCKINGHAM VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1005
Census Tract	10301

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	Company Name on Record
Mailing Address	4167 E POINT RD, ELKTON, VA 22827-2622
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Aug 27, 2018	Deed, Transfer · FHA Mortgage VBS MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Deed Document Number	201822583
Deed Book / Page	5036 / 707
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	4198 E POINT RD, ELKTON, VA 22827-2622
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5488/558
Date	Oct 12, 2021
Book Page	5488/558
Instrument	2021-28499

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	Aug 27, 2018
Property Address	4198 E POINT RD, ELKTON, VA 22827-2622
Document Number	5036/707
Book / Page	5036 / 707
Map Reference	DD347 PG467
Instrument Date	Aug 8, 2018
Instrument	2018-00022583
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	WEST VIEW TITLE AGENCY INC, WEST VIEW TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161.50
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	4198 E POINT RD, ELKTON, VA 22827-2622

Mortgage

Document Number	201800022584
Date	Aug 27, 2018
Instrument	2018-00022584

Lender

Name	VBS MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Virginia
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	$1,264.00	$191,648 Land $49,000 Building $142,648	$191,648 Land $49,000 Building $142,648

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2006–2025)
Most Recent Claim	Jul 2025 · river or lake flooding

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 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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