476 Windward Watch Ln, Saluda, VA 23149 Property Records

Middlesex County property record for 476 Windward Watch Ln, Saluda, VA 23149

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,704 sqft · built 2001
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Last Sale	$982,000 (Aug 2022)
Tax Bill	$4,211 (2026)
Deeds & Mortgages	Aug 2022 Sale Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28 17 4`

Property Details

APN / Parcel Number

Primary APN	`28 17 4`
Alternative APN	`15112`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,704 sqft Living Area
Gross Area	3,808 sqft
1st Floor Area	2,704 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2012
Exterior Material	Concrete
Foundation Type	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Patio
Porch Area	320 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	15112
Street Address	476 WINDWARD WATCH LN
City	SALUDA
State	VA
Zip	23149-2575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WINDWARD WATCH SEC 1 1.40 AC LOT 4 D231-719 261-32 317-328 P12-17 281-766 D19-2044 D20-13
Legal Subdivision	WINDWARD WATCH
Legal Lot Number	4
Jurisdiction	MIDDLESEX VA
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1001
Census Tract	951000

Owner

476 Windward Watch Ln is owned and occupied by two individuals who bought it in August 2022.

Source: Middlesex County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	476 WINDWARD WATCH LN, SALUDA, VA 23149-2575
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Aug 26, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 18, 2021	Special Warranty Deed, Transfer · Conventional Mortgage NBKC BANK
Jan 3, 2020	Intrafamily Transfer, Transfer
Dec 11, 2019	Warranty Deed, Transfer LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on File
Deed Sale	Aug 26, 2022 · Amount on File
Prior Sale	Oct 18, 2021 · Amount on File
Deed Document Number	20221729
Prior Transfer Date	Dec 13, 2019
Prior Transfer Doc	0000000013
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Aug 26, 2022
Property Address	476 WINDWARD WATCH LN, SALUDA, VA 23149-2575
Document Number	0220001729
Instrument Date	Aug 24, 2022
Instrument	220001729
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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
Address	476 WOODWARD WATCH LN, SALUDA, VA 23149-2575

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Oct 18, 2021
Property Address	476 WINDWARD WATCH LN, SALUDA, VA 23149-2575
Document Number	210002677
Instrument Date	Sep 24, 2021
Instrument	210002677
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	TITLE ALLIANCE/NE OH, TITLE ALLIANCE OF MIDLOTHIAN

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
Address	PO BOX 713, POWHATAN, VA 23139-0713

Mortgage

Document Number	210002678
Date	Oct 18, 2021
Instrument	210002678

Lender

Name	NBKC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDDLESEX VA
Recording Date	Jan 3, 2020
Property Address	476 WINDWARD WATCH LN, SALUDA, VA 23149-2575
Document Number	200000013
Instrument Date	Dec 13, 2019
Instrument	200000013
Transaction Type	Transfer
Record Updated	Dec 7, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 WINDWARD WATCH LN, SALUDA, VA 23149-2575

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Dec 11, 2019
Property Address	476 WINDWARD WATCH LN, SALUDA, VA 23149-2575
Document Number	190002044
Instrument Date	Dec 4, 2019
Instrument	190002044
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA

Transaction

Amount	Amount 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
Address	476 WINDWARD WATCH LN, SALUDA, VA 23149-2575

Tax Assessment & Valuation

The 2026 property tax bill for 476 Windward Watch Ln was $4,211.

Source: Middlesex County assessment roll, as of October 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,211.00	$690,400 (-) Land $272,000 Building $418,400	$690,400 (-) Land $272,000 Building $418,400
2025	$4,211.00	$690,400 Land $272,000 Building $418,400	$690,400 Land $272,000 Building $418,400
2023	$4,083.00	$669,500 Land $272,000 Building $397,500	$669,500 Land $272,000 Building $397,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 476 Windward Watch Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	13 (2001–2011)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 4 claims Hurricane Isabel, Sep 2003 · 6 claims

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 476 Windward Watch Ln 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 97% of the US · lower than 98.4% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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