482 Waugh's Ferry Rd, Amherst, VA 24521 Property Records

Amherst County property record for 482 Waugh's Ferry Rd, Amherst, VA 24521

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,629 sqft · built 1960
Lot Size	1.21 acres (52,795 sqft)
Owner	Individual Name on File
Last Sale	$186,550 (Jul 2018)
Tax Bill	$1,721 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jul 2018 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`110 A 113`

Property Details

APN / Parcel Number

Primary APN	`110 A 113`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,629 sqft Living Area
1st Floor Area	1,629 sqft
Basement Area	1,629 sqft
Unfinished Basement	1,629 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1979
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	52,795 sqft (1.21 acres)
Garage Type	Carport
Garage Area	364 sqft
Carport	Carport
Carport Area	364 sqft
Driveway	Paver Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Patio Area	24 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	482 WAUGHS FERRY RD
City	AMHERST
State	VA
Zip	24521-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ON WAUGHS FERRY RD RT 726 SE E DB 644-177 110 A 113
Jurisdiction	AMHERST VA
Township / Civil Division	2
Census Block Group	3
Census Block	3022
Census Tract	10201

Owner

482 Waugh's Ferry Rd is owned and occupied by an individual who bought it in July 2018.

Source: Amherst County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	482 WAUGHS FERRY RD, AMHERST, VA 24521-3245
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance APEX HOME LOANS INC
Jul 31, 2018	Warranty Deed, Transfer MOUNTAIN TITLE SERVICES INC, MOUNTAIN VIEW STLMT SVCS LLC
Jul 31, 2018	Warranty Deed, Transfer MOUNTAIN VIEW STLMT SVCS LLC
Jul 31, 2018	Warranty Deed, Transfer MOUNTAIN VIEW STLMT SVCS LLC
Jul 31, 2018	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2018 · Amount on File
Deed Sale	Jul 31, 2018 · Amount on File
Prior Sale	Jul 29, 2011 · Amount on File
Deed Document Number	20182002
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	482 WAUGHS FERRY RD, AMHERST, VA 24521-3245
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001359
Date	Apr 9, 2021
Instrument	210001359

Lender

Name	APEX HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Jul 31, 2018
Property Address	482 WAUGHS FERRY RD, AMHERST, VA 24521-3245
Document Number	180002002
Instrument Date	Jul 16, 2018
Instrument	180002002
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	MOUNTAIN TITLE SERVICES INC, MOUNTAIN VIEW STLMT SVCS LLC

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

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Jul 31, 2018
Property Address	482 WAUGHS FERRY RD, AMHERST, VA 24521-3245
Document Number	180002002
Instrument Date	Jul 16, 2018
Instrument	180002002
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	MOUNTAIN VIEW STLMT SVCS LLC

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

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Jul 31, 2018
Property Address	482 WAUGHS FERRY RD, AMHERST, VA 24521-3245
Document Number	180002002
Instrument Date	Jul 16, 2018
Instrument	180002002
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	MOUNTAIN VIEW STLMT SVCS LLC

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

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Jul 31, 2018
Property Address	482 WAUGHS FERRY RD, AMHERST, VA 24521-3245
Document Number	0180002002
Instrument Date	Jul 16, 2018
Instrument	180002002
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	MOUNTAIN TITLE SERVICES INC, MOUNTAIN VIEW STLMT SVCS LLC

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

Mortgage

Document Number	0180002003
Date	Jul 31, 2018
Instrument	180002003

Lender

Name	SUMMIT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 482 Waugh's Ferry Rd was $1,721, up 57% from the year before.

Source: Amherst County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Amherst County
Municipality	Amherst Town
Unified School District	Amherst County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,721.00 (+57.03%)	$179,800 Land $28,600 Building $151,200	$307,400 Land $34,300 Building $273,100
2025	$1,096.00
2024		$179,800 (-) Land $28,600 Building $151,200	$179,800 (-) Land $28,600 Building $151,200
2023	$1,096.00	$179,800 Land $28,600 Building $151,200	$179,800 Land $28,600 Building $151,200

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

Flood

FEMA maps place 482 Waugh's Ferry Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025

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

Wildfire risk around 482 Waugh's Ferry Rd is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF AMHERST serves 2,231 people · EPA ID VA5009050
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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