Augusta County property record for 45 Gemstone Dr, Stuarts Draft, VA 24477
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 1,486 sqft · built 2013 |
| Lot Size | 0.119 acres (5,184 sqft) |
| Owner | Individual Name on File |
| Last Sale | $198,900 (May 2014) |
| Tax Bill | $1,670 (2026) |
| Deeds & Mortgages | Dec 2025 Sale Mar 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 075B1 2 321 |
| Primary APN | 075B1 2 321 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,486 sqft Living Area |
| Gross Area | 3,616 sqft |
| 1st Floor Area | 1,486 sqft |
| Basement Area | 1,486 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,184 sqft (0.119 acres) |
| Terrain | Rolling |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 GEMSTONE DR |
|---|---|
| City | STUARTS DRAFT |
| State | VA |
| Zip | 24477-2857 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PLANNED UN |
| Legal Description | 75B1-(2)-321 STONE VALLEY PH 2 SEC 14 .119AC OR 5,200SF |
| Legal Subdivision | STONE VALLEY PH 2 |
| Jurisdiction | AUGUSTA VA |
| Township / Civil Division | SOUTH RIVER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 71101 |
Source: Augusta County assessment roll, as of June 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 GEMSTONE DR, STUARTS DRAFT, VA 24477-2857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed, Transfer |
| Mar 29, 2019 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Jan 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 15, 2014 · Amount on Record |
| Deed Sale | May 15, 2014 · Amount on Record |
| Deed Document Number | 20143008 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | AUGUSTA VA |
| Recording Date | Dec 29, 2025 |
| Property Address | 45 GEMSTONE DR, STUARTS DRAFT, VA 24477-2857 |
| Document Number | 0250009323 |
| Map Reference | MB 1 PG 8298 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 250009323 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 GEMSTONE DR, STUARTS DRAFT, VA 24477-2857 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AUGUSTA VA |
| Property Address | 45 GEMSTONE DR, STUARTS DRAFT, VA 24477-2857 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0190002134 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 190002134 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | AUGUSTA VA |
| Property Address | 45 GEMSTONE DR, STUARTS DRAFT, VA 24477-2857 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0220000282 |
|---|---|
| Date | Jan 11, 2022 |
| Instrument | 220000282 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Augusta County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Augusta County |
| Unified School District | Augusta County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,670.00 | $321,300 (-) Land $50,000 Building $271,300 | |
| 2025 | $321,300 (+62.85%) Land $50,000 Building $271,300 | ||
| 2024 | $321,300 (+62.85%) Land $50,000 Building $271,300 | ||
| 2023 | $1,242.00 | $197,300 Land $45,000 Building $152,300 | $197,300 Land $45,000 Building $152,300 |
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 March 28, 2022
| 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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH RIVER SANITARY DISTRICT serves 26,083 people · EPA ID VA2015575 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile USA Fiber · Fixed Wireless | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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