491 Cedar Creek Ln, Stuart, VA 24171 Property Records

Patrick County property record for 491 Cedar Creek Ln, Stuart, VA 24171

Property Summary

Property Type	Single Family Home
Details	built 2013
Lot Size	5.5 acres (239,580 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (May 2023)
Tax Bill	$1,178 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5109.00.18`

Property Details

APN / Parcel Number

Primary APN	`5109.00.18`
Alternative APNs	`102396` `94617`

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	239,580 sqft (5.5 acres)

Location & Zoning

Account Number	102396
Street Address	491 CEDAR CREEK LN
City	STUART
State	VA
Zip	24171-5241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S MAYO R I#23-802
Legal Lot Number	18
Jurisdiction	PATRICK VA
Township / Civil Division	PETERS CREEK
Census Block Group	3
Census Block	3016
Census Tract	30301

Owner

Source: Patrick County records, as of May 7, 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 Record
Mailing Address	491 CEDAR CREEK LN, STUART, VA 24171-5241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 20, 2020	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2023 · Amount on Record
Deed Sale	May 5, 2023 · Amount on Record
Prior Sale	Jul 30, 2021 · Amount on Record
Deed Document Number	2023802
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PATRICK VA
Recording Date	May 5, 2023
Property Address	491 CEDAR CREEK LN, STUART, VA 24171-5241
Document Number	0230000802
Instrument Date	May 5, 2023
Instrument	230000802
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	APPALACHIAN TITLE COMPANY LLC, APPALACHIAN TITLE CO INC

Transaction

Amount	Amount Recorded
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	491 CEDAR CREEK LN, STUART, VA 24171-5241

Mortgage

Document Number	0230000803
Date	May 5, 2023
Instrument	230000803

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PATRICK VA
Recording Date	Mar 20, 2020
Property Address	491 CEDAR CREEK LN, STUART, VA 24171-5241
Document Number	200000490
Instrument Date	Mar 2, 2020
Instrument	200000490
Transaction Type	Transfer
Record Updated	May 25, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
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	491 CEDAR CREEK LN, STUART, VA 24171-5241

Mortgage

Document Number	200000492
Date	Mar 20, 2020
Instrument	200000492

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Patrick County assessment roll, as of May 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,178.00	$161,500 Land $25,800 Building $135,700	$161,500 Land $25,800 Building $135,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 19, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jun 2019 · river or lake flooding

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

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

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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