Caroline County property record for 439 Cornwall Dr, Ruther Glen, VA 22546
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,072 sqft · built 2007 |
| Lot Size | 0.275 acres (11,999 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Aug 2025) |
| Tax Bill | $1,877 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Aug 2025 Second Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51A6-1 B-320 |
| Primary APN | 51A6-1 B-320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 1,072 sqft Living Area |
| Gross Area | 2,224 sqft |
| 1st Floor Area | 968 sqft |
| Basement Area | 968 sqft |
| Finished Basement | 710 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Split Foyer |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,999 sqft (0.275 acres) |
| Terrain | Rolling |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 13430 |
|---|---|
| Street Address | 439 CORNWALL DR |
| City | RUTHER GLEN |
| State | VA |
| Zip | 22546-1129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE LAND OR LOT B320 |
| Legal Subdivision | LAKE LAND |
| Legal Lot Number | B320 |
| Jurisdiction | CAROLINE VA |
| Township / Civil Division | MADISON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 30502 |
439 Cornwall Dr is owned and occupied by two individuals who bought it in August 2025.
Source: Caroline County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE MORTGAGE |
| Aug 4, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MOVEMENT MORTGAGE |
| Aug 4, 2025 | Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Jan 27, 2020 | Grant Deed, Transfer PLANET HM LNDG |
| Dec 3, 2019 | Warranty Deed, Transfer SERVICELINK |
| Oct 11, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Jul 11, 2018 | Loan Modification, Mortgage LAKEVIEW LN SERVICING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2025 · Amount on File |
| Deed Sale | Aug 4, 2025 · Amount on File |
| Prior Sale | Jan 27, 2020 · Amount on File |
| Deed Document Number | 20253213 |
| Prior Transfer Date | Sep 30, 2019 |
| Prior Transfer Doc | 0013520972 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Sep 23, 2026 |
| Property Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Document Number | 0000004065 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 20264065 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Investor | Possibly a Property Investor |
| Document Number | 0000004065, |
|---|---|
| Date | Sep 23, 2026 |
| Instrument | 20264065 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE VA |
| Property Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0250003215 |
|---|---|
| Date | Aug 4, 2025 |
| Instrument | 250003215 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Aug 4, 2025 |
| Property Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Document Number | 0250003213 |
| Map Reference | MB 205 PG 382 |
| Instrument Date | Jul 28, 2025 |
| Instrument | 250003213 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | WESTCOR LAND TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Investor | Possibly a Property Investor |
| Document Number | 0250003214 |
|---|---|
| Date | Aug 4, 2025 |
| Instrument | 250003214 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Jan 27, 2020 |
| Property Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Document Number | 1365660 |
| Book / Page | 001365 / 000660 |
| Instrument Date | Jan 14, 2020 |
| Instrument | 347 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2020 |
| Title Company | TERRY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 439 CORNWALL DR RUTHER GLEN VA 225461129, RUTHER GLEN, VA 22546-1129 |
| Document Number | 1365665 |
|---|---|
| Date | Jan 27, 2020 |
| Book Page | 001365/000665 |
| Instrument | 348 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDEN, CT 06450 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 26, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Dec 3, 2019 |
| Property Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Document Number | 1359234 |
| Book / Page | 001359 / 000234 |
| Instrument Date | Nov 14, 2019 |
| Instrument | 4412 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Oct 11, 2019 |
| Property Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Document Number | 1352972 |
| Book / Page | 001352 / 000972 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 3649 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $168.10 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 439 CORNWALL DR RUTHER GLEN VA 225461129, RUTHER GLEN, VA 22546-1129 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CAROLINE VA |
| Property Address | 439 CORNWALL DR, RUTHER GLEN, VA 22546-1129 |
| Document Number | 1315281 |
| Instrument Date | Jul 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 439 CORNWALL DR RUTHER GLEN VA 225461129, RUTHER GLEN, VA 22546-1129 |
| Document Number | 1315281 |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 001315/000281 |
| Instrument | 3065 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 439 Cornwall Dr was $1,877, down 99.2% from the year before.
Source: Caroline County assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Caroline County |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,877.00 (-99.25%) | $323,560 Land $50,000 Building $273,560 | |
| 2025 | $249,141.00 | $323,560 Land $50,000 Building $273,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 439 Cornwall Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 14, 2026 · 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 risk around 439 Cornwall Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE LAND`OR private · serves 4,818 people · EPA ID VA6033450 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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