490 Swope Ln, Fairfield, VA 24435 Property Records

Rockbridge County property record for 490 Swope Ln, Fairfield, VA 24435

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,012 sqft · built 2000
Lot Size	28.5 acres (1,245,293 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,958 (2026)
Deeds & Mortgages	Aug 2018 Line of Credit Aug 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38 14 1`

Property Details

APN / Parcel Number

Primary APN	`38 14 1`
Alternative APN	`2981`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,012 sqft Living Area
Gross Area	4,802 sqft
1st Floor Area	2,012 sqft
Basement Area	2,012 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2014
Exterior Material	Fiber Cement Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,245,293 sqft (28.5 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	102 sqft
Deck Area	40 sqft
Patio Area	270 sqft
Stable	1,728 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2981
Street Address	490 SWOPE LN
City	FAIRFIELD
State	VA
Zip	24435-2814
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-2
Legal Description	FLINT TRACT 1A
Legal Tract	1A
Jurisdiction	ROCKBRIDGE VA
Township / Civil Division	WALKERS CREEK
Census Block Group	4
Census Block	4006
Census Tract	930102

Owner

490 Swope Ln, a rural home, is owned and occupied by two individuals.

Source: Rockbridge County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	490 SWOPE LN, FAIRFIELD, VA 24435-2814
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
Aug 27, 2018	Deed of Trust, Mortgage · Line of Credit DUPONT COMMUNITY CU
Aug 5, 2019	Deed of Trust, Mortgage · Line of Credit DUPONT COMMUNITY CU
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Aug 5, 2019	Deed of Trust, Mortgage · Line of Credit DUPONT COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	490 SWOPE LN, FAIRFIELD, VA 24435-2814
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180002407
Date	Aug 27, 2018
Instrument	180002407

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union
Address	WAYNESBORO, VA 22980

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	490 SWOPE LN, FAIRFIELD, VA 24435-2814
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190002066
Date	Aug 5, 2019
Instrument	190002066

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union
Address	WAYNESBORO, VA 22980

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	419 Months
Due	Jul 23, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	490 SWOPE LN, FAIRFIELD, VA 24435-2814
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002383
Date	Aug 13, 2020
Instrument	200002383

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	490 SWOPE LN, FAIRFIELD, VA 24435-2814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190002066
Date	Aug 5, 2019
Instrument	190002066

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union
Address	WAYNESBORO, VA 22980

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	419 Months
Due	Jul 23, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 490 Swope Ln was $2,958.

Source: Rockbridge County assessment roll, as of October 13, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,958.00	$605,600 (-) Land $225,500 Building $380,100	$605,600 (-) Land $225,500 Building $380,100
2025		$605,600 Land $225,500 Building $380,100	$605,600 Land $225,500 Building $380,100
2023		$605,600 Land $225,500 Building $380,100	$605,600 Land $225,500 Building $380,100

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

Flood

FEMA maps place 490 Swope Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 7, 2006

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 490 Swope Ln is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 86% of Virginia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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