Middlesex County property record for 498 Gloucester Rd, Saluda, VA 23149
| Property Type | Commercial |
|---|---|
| Details | 0.5 ba · 1,332 sqft · built 1965 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $744 (2026) |
| Deeds & Mortgages | May 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26 155 |
| Primary APN | 26 155 |
|---|---|
| Alternative APN |
|
| Full Baths | 0.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Gross Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Deck Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 6619 |
|---|---|
| Street Address | 498 GLOUCESTER RD |
| City | SALUDA |
| State | VA |
| Zip | 23149-2590 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | VC |
| Legal Description | SALUDA .4318 AC D316-5 D18-1724 S74-3 |
| Jurisdiction | MIDDLESEX VA |
| Township / Civil Division | SALUDA |
| Census Block Group | 4 |
| Census Block | 4027 |
| Census Tract | 951000 |
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 | 498 GLOUCESTER RD, SALUDA, VA 23149-2590 |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIDDLESEX VA |
| Property Address | 498 GLOUCESTER RD, SALUDA, VA 23149-2590 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210001295 |
|---|---|
| Date | May 21, 2021 |
| Instrument | 210001295 |
| Name | CHESAPEAKE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County assessment roll, as of October 8, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Middlesex County |
| Unified School District | Middlesex County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $744.00 | $122,100 (-) Land $43,200 Building $78,900 | $122,100 (-) Land $43,200 Building $78,900 |
| 2025 | $744.00 | $122,100 (-) Land $43,200 Building $78,900 | $122,100 (-) Land $43,200 Building $78,900 |
| 2023 | $744.00 | $122,100 Land $43,200 Building $78,900 | $122,100 Land $43,200 Building $78,900 |
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 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
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 | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF SALUDA private · serves 323 people · EPA ID VA4119600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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