497 Mill Wharf Rd, Wake, VA 23176 Property Records

Middlesex County property record for 497 Mill Wharf Rd, Wake, VA 23176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 2008
Lot Size	1.73 acres (75,359 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Sep 2025)
Tax Bill	$1,486 (2026)
Deeds & Mortgages	Mar 2021 Refinance Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38 192A`

Property Details

APN / Parcel Number

Primary APN	`38 192A`
Alternative APN	`16475`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
Gross Area	1,832 sqft
1st Floor Area	1,560 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	75,359 sqft (1.73 acres)

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Patio
Porch Area	176 sqft
Deck Area	100 sqft
Shed	1 Shed
Shed 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	16475
Street Address	497 MILL WHARF RD
City	WAKE
State	VA
Zip	23176-2174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	MILL CREEK 1.734 AC D7-1304 07-1822 07-1823 S7-4 S8-4 D14-977 S49-5 D25-1512
Legal Subdivision	MILL CREEK
Jurisdiction	MIDDLESEX VA
Township / Civil Division	PINE TOP
Census Block Group	3
Census Block	3019
Census Tract	951100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	497 MILL WHARF RD, WAKE, VA 23176-2174
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Sep 5, 2025	Deed, Transfer · VA Mortgage CALCON MUTUAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2025 · Amount on Record
Deed Sale	Sep 5, 2025 · Amount on Record
Deed Document Number	20251512
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	497 MILL WHARF RD, WAKE, VA 23176-2174
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0210000620
Date	Mar 9, 2021
Instrument	210000620

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Sep 5, 2025
Property Address	497 MILL WHARF RD, WAKE, VA 23176-2174
Document Number	0250001512
Map Reference	CAB 2 SL 49-4&49
Instrument Date	Aug 26, 2025
Instrument	250001512
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	HOMELAND TITLE AND ESCROW AGENCY LLC, HOMELAND TTL STLMT AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	497 MILL WHARF RD, WAKE, VA 23176-2174

Mortgage

Document Number	0250001513
Date	Sep 5, 2025
Instrument	250001513

Lender

Name	CALCON MUTUAL MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

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	$1,486.00	$243,700 (-) Land $54,900 Building $188,800	$243,700 (-) Land $54,900 Building $188,800
2025	$1,486.00	$243,700 (-) Land $54,900 Building $188,800	$243,700 (-) Land $54,900 Building $188,800
2024	$1,486.00	$243,700 (-) Land $54,900 Building $188,800	$243,700 (-) Land $54,900 Building $188,800
2023	$1,486.00	$243,700 Land $54,900 Building $188,800	$243,700 Land $54,900 Building $188,800

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	10 (2003–2006)
Most Recent Claim	Sep 2006 · Tropical Depression Ernesto, Severe Storms And Flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 6 claims Hurricane Isabel, Sep 2003 · 3 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

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

Wildfire Risk	Low lower than 67% of the US · above 54% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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