437 Three Ridges, Roseland, VA 22967 Property Records

Nelson County property record for 437 Three Ridges, Roseland, VA 22967

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 852 sqft · built 1977
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$242,000 (Apr 2023)
Tax Bill	$1,130 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11X B 437`

Property Details

APN / Parcel Number

Primary APN	`11X B 437`
Alternative APN	`09787`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	852 sqft Finished Area
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	3,049 sqft (0.07 acres)
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	09787
Street Address	437 THREE RDGS
City	ROSELAND
State	VA
Zip	22967
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THREE RIDGES PHASE 5 010002110
Legal Subdivision	THREE RIDGES
Jurisdiction	NELSON VA
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1000
Census Tract	950202

Owner

437 Three Ridges is owned by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	12881 ADEN RD, NOKESVILLE, VA 20181-2709
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Deed, Transfer · Stand-Alone First Mortgage POLICE FCU
Jan 8, 2021	Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2023 · Amount on File
Deed Sale	Apr 7, 2023 · Amount on File
Prior Sale	Feb 3, 2021 · Amount on File
Deed Document Number	2023730
Deed Book / Page	997
Prior Transfer Date	Jan 4, 2021
Prior Transfer Doc	0000000376
Record Updated	Sep 20, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Apr 7, 2023
Property Address	437 THREE RDGS, WINTERGREEN RESORT, VA 22967
Document Number	0202300730
Instrument Date	Apr 7, 2023
Instrument	202300730
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	12881 ADEN RD, NOKESVILLE, VA 20181-2709

Mortgage

Document Number	0202300731
Date	Apr 7, 2023
Instrument	202300731

Lender

Name	POLICE FCU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	NELSON VA
Recording Date	Jan 8, 2021
Property Address	437 THREE RDGS, WINTERGREEN RESORT, VA 22967
Document Number	202100053
Instrument Date	Jan 7, 2021
Instrument	202100053
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	124 POST OAK RD, CHAPEL HILL, NC 27516-4247

Mortgage

Document Number	202100054
Date	Jan 8, 2021
Instrument	202100054

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 437 Three Ridges was $1,130, up 43.9% from the year before.

Source: Nelson County assessment roll, as of June 26, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Nelson County
Unified School District	Nelson County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,130.00 (+43.95%)	$201,800 (+67.05%) Land $15,000 Building $186,800	$201,800 (+67.05%) Land $15,000 Building $186,800
2025	$785.00	$120,800 Land $15,000 Building $105,800	$120,800 Land $15,000 Building $105,800
2023	$785.00	$120,800 Land $15,000 Building $105,800	$120,800 Land $15,000 Building $105,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 437 Three Ridges in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 4, 2025 · 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	5 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

Wildfire risk around 437 Three Ridges is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	NCSA - WINTERGREEN serves 6,861 people · EPA ID VA2125910
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	171 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nelson County Cablevision Fiber	2,000 / 2,000
Firefly Fiber Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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