King William County property record for 440 4th St, West Point, VA 23181
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 2,426 sqft · built 1885 |
| Lot Size | 0.261 acres (2,772 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $338,000 (Dec 2021) |
| Tax Bill | $905 (2026) |
| Deeds & Mortgages | Feb 2017 Mortgage Dec 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 6716-1 |
| Primary APN | 6716-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,426 sqft Living Area |
| Utility Area | 36 sqft |
| Flooring | Plywood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 2,772 sqft (0.261 acres) |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Porch Area | 462 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 6716-1 |
|---|---|
| Street Address | 440 4TH ST |
| City | WEST POINT |
| State | VA |
| Zip | 23181 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R-4 |
| Legal Description | E ST BK 13 PART OF LOTS 138 139 |
| Legal Subdivision | TOWN OF WEST POINT |
| Legal Lot Number | 138 |
| Jurisdiction | KING WILLIAM VA |
| Township / Civil Division | WEST POINT |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 950300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the West Point Historic District listed 1996 · 255 contributing resources · NRIS 96001051 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: King William County records, as of August 18, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 889, WEST POINT, VA 23181-0889 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING |
| Dec 10, 2021 | Warranty Deed, Transfer · VA Mortgage ALCOVA MORTGAGE LLC |
| Nov 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Sep 7, 2006 | Warranty Deed, Transfer · Conventional Mortgage C & F MORTGAGE CORPORATIO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2021 · Amount on Record |
| Deed Sale | Dec 10, 2021 · Amount on Record |
| Prior Sale | Nov 12, 2019 · Amount on Record |
| Deed Document Number | 20214331 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KING WILLIAM VA |
| Property Address | 440 4TH ST, WEST POINT, VA 23181-9686 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0170000222 |
|---|---|
| Date | Feb 6, 2017 |
| Instrument | 170000222 |
| Name | PRIMELENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KING WILLIAM VA |
| Recording Date | Dec 10, 2021 |
| Property Address | 440 4TH ST, WEST POINT, VA 23181-9686 |
| Document Number | 0210004331 |
| Instrument Date | Nov 15, 2021 |
| Instrument | 210004331 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | JAMESTOWN TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 440 4TH ST, WEST POINT, VA 23181-9686 |
| Document Number | 0210004332 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 210004332 |
| Name | ALCOVA MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KING WILLIAM VA |
| Recording Date | Nov 12, 2019 |
| Property Address | 440 4TH ST, WEST POINT, VA 23181-9686 |
| Document Number | 0190002406 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 190002406 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1544, WEST POINT, VA 23181-1544 |
| Document Number | 0190002407 |
|---|---|
| Date | Nov 12, 2019 |
| Instrument | 190002407 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KING WILLIAM VA |
| Recording Date | Sep 7, 2006 |
| Property Address | 440 4TH ST, WEST POINT, VA 23181-9686 |
| Document Number | 00600/3639 |
| Book / Page | 600 / 3639 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0006003640 |
|---|---|
| Date | Sep 7, 2006 |
| Instrument | 600/3640 |
| Name | C & F MORTGAGE CORPORATIO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: King William County assessment roll, as of March 12, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | King William County |
| Municipality | West Point Town |
| Unified School District | West Point Town Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $905.00 (+0.11%) | $296,700 (-) Land $45,000 Building $251,700 | $296,700 (-) Land $45,000 Building $251,700 |
| 2025 | $904.00 (+12.86%) | $296,700 (-) Land $45,000 Building $251,700 | $296,700 (-) Land $45,000 Building $251,700 |
| 2023 | $801.00 | $296,700 Land $45,000 Building $251,700 | $296,700 Land $45,000 Building $251,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 36 policies |
| Nearby Flood Policies | 36 in force |
| Nearby Flood Claims | 61 (1996–2025) |
| Claims Outside the SFHA | 11 of 61 |
| Most Recent Claim | Mar 2025 · river or lake flooding |
| Claims by Event |
|
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.
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 | None beyond ember reach |
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 | TOWN OF WEST POINT serves 3,063 people · EPA ID VA4101900 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2023 |
| Lead | 4 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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