Highland County property record for 491 Mill Ln, Monterey, VA 24465
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 2,296 sqft · built 1804 |
| Lot Size | 138 acres (6,016,072 sqft) |
| Owner | Trust Name on Record |
| Tax Bill | $3,253 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 30 A 30 |
| Primary APN | 30 A 30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,296 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1804 |
|---|---|
| Effective Year Built | Effective 1804 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 6,016,072 sqft (138 acres) |
| Porch | Slab |
| Porch Area | 105 sqft |
| Sewer | Septic |
|---|---|
| Water Source | Spring/Creek |
| Account Number | 324 |
|---|---|
| Street Address | 491 MILL LN |
| City | MONTEREY |
| State | VA |
| Zip | 24465-2667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | S14W17S17W4SW3,1W4 NW3,1W6N7W6W15N17; W6N7E6S7; S7W15N7E15; N6E39S6W39 |
| Jurisdiction | HIGHLAND VA |
| Township / Civil Division | BLUE GRASS |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 970100 |
Source: Highland County records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on Record |
|---|---|
| Mailing Address | 491 MILL LN, MONTEREY, VA 24465-2667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| Jun 11, 2026 | Deed of Trust, Mortgage · Line of Credit FARM CREDIT/VIRGINIAS ACA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 27, 2012 |
| Transfer Doc | 0000000046 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLAND VA |
| Recording Date | Jun 11, 2026 |
| Property Address | 491 MILL LN, MONTEREY, VA 24465-2667 |
| Document Number | 0000000208 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 2026208 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 328 LIBERTY RD, WILLIAMSVILLE, VA 24487-2143 |
| Document Number | 0000000208, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 2026208 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 9, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLAND VA |
| Recording Date | Jun 11, 2026 |
| Property Address | 491 MILL LN, MONTEREY, VA 24465-2667 |
| Document Number | 0000000207 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 2026207 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 328 LIBERTY RD, WILLIAMSVILLE, VA 24487-2143 |
| Document Number | 0000000207, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 2026207 |
| Name | FARM CREDIT/VIRGINIAS ACA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
Source: Highland County assessment roll, as of June 12, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Highland County |
| Unified School District | Highland County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,253.00 | $638,000 Land $578,400 Building $59,600 | |
| 2024 | $638,000 Land $578,400 Building $59,600 |
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 April 2, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (1996–2003) |
| Most Recent Claim | Nov 2003 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 76% of Virginia |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative Fiber | 1,000 / 500 |
No cell data coverage reported
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