Harrisonburg City property record for 446 E Rock St, Harrisonburg, VA 22802
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,552 sqft · built 1983 |
| Lot Size | 0.235 acres (10,219 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,646 (2026) |
| Deeds & Mortgages | Sep 2018 Line of Credit Sep 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 M 5 |
| Primary APN | 033 M 5 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,552 sqft Living Area |
| Basement Area | 741 sqft |
| Sunroom | Sunroom |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Cottage |
| Exterior Material | Stucco |
| Roof Material | Metal |
| Lot Area | 10,219 sqft (0.235 acres) |
| Lot Dimensions | 187 ft deep x 55 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 260 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 446 E ROCK ST |
|---|---|
| City | HARRISONBURG |
| State | VA |
| Zip | 22802-5923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | QUADRANT 1 NS E ROCK ST |
| Jurisdiction | HARRISONBURG CITY VA |
| Township / Civil Division | HARRISONBURG |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 101 |
446 E Rock St is owned and occupied by an individual who acquired it in February 2023.
Source: Harrisonburg City records, as of October 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 E ROCK ST, HARRISONBURG, VA 22802-5923 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Sep 24, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Sep 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 14, 2023 | Transfer on Death Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 1, 2023 |
| Transfer Doc | 005667/641 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISONBURG CITY VA |
| Property Address | 446 E ROCK ST, HARRISONBURG, VA 22802-5923 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 005046/316 |
|---|---|
| Date | Sep 24, 2018 |
| Book Page | 5046/316 |
| Instrument | 2018-00025434 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARRISONBURG CITY VA |
| Property Address | 446 E ROCK ST, HARRISONBURG, VA 22802-5923 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 446 E ROCK ST, HARRISONBURG, VA 22802-5923 |
| Document Number | 005626/156 |
|---|---|
| Date | Sep 23, 2022 |
| Book Page | 5626/156 |
| Instrument | 2022-23338 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 252 Months |
| Due | Sep 1, 2043 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HARRISONBURG CITY VA |
| Recording Date | Feb 14, 2023 |
| Property Address | 446 E ROCK ST, HARRISONBURG, VA 22802-5923 |
| Document Number | 005667/641 |
| Book / Page | 5667 / 641 |
| Map Reference | MB 78 PG 286 |
| Instrument Date | Feb 1, 2023 |
| Instrument | 2023-02904 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 446 E ROCK ST, HARRISONBURG, VA 22802-5923 |
| Name | Verified Name |
|---|---|
| Address | 446 E ROCK ST, HARRISONBURG, VA 22802-5923 |
The 2026 property tax bill for 446 E Rock St was $2,646.
Source: Harrisonburg City assessment roll, as of October 16, 2026
| Type | Name |
|---|---|
| State | Virginia |
| Municipality | Harrisonburg City |
| Unified School District | Harrisonburg City Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,646.00 | $262,000 (+1.83%) Land $58,000 Building $204,000 | $262,000 (+1.83%) Land $58,000 Building $204,000 |
| 2025 | $257,300 Land $58,000 Building $199,300 | $257,300 Land $58,000 Building $199,300 | |
| 2024 | $2,425.00 (+14.6%) | ||
| 2023 | $2,116.00 | $220,500 Land $43,800 Building $176,700 | $220,500 Land $43,800 Building $176,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 446 E Rock St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 13, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 446 E Rock St is low, with less than 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 99.1% of the US · lower than 99.6% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | R.R. DONNELLEY- RCPW serves 1,332 people · EPA ID VA2165668 |
|---|---|
| Water Source | Purchased surface water from CITY OF HARRISONBURG |
| Last State Inspection | Mar 2025 |
| Lead | 10 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 506 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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