504 Wheat St, Staunton, VA 24401 Property Records

Staunton City property record for 504 Wheat St, Staunton, VA 24401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 2006
Lot Size	0.289 acres (12,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$263,000 (May 2024)
Tax Bill	$2,393 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2462`

Property Details

APN / Parcel Number

Primary APN	`2462`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	3,356 sqft
1st Floor Area	1,512 sqft
Basement Area	1,512 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,600 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	504 WHEAT ST
City	STAUNTON
State	VA
Zip	24401-4561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 4 & N 1/2 OF 3
Legal Subdivision	TANNEHILL-WHEAT
Legal Lot Number	4
Jurisdiction	STAUNTON CITY VA
Township / Civil Division	STAUNTON
Census Block Group	4
Census Block	4002
Census Tract	200

Owner

Source: Staunton City records, as of August 13, 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	504 WHEAT ST, STAUNTON, VA 24401-4561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage NFM LENDING
Oct 21, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jan 19, 2023	Deed, Transfer · Conventional Mortgage VBS MORTGAGE LLC
Dec 14, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST CO INC
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2024 · Amount on Record
Deed Sale	May 9, 2024 · Amount on Record
Prior Sale	Jan 19, 2023 · Amount on Record
Deed Document Number	2024897
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	504 WHEAT ST, STAUNTON, VA 24401-4561
Transaction Type	Mortgage
Record Updated	Nov 17, 2025
Title Company	UNKNOWN, PIKE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 WHEAT ST, STAUNTON, VA 24401-4561

Mortgage

Document Number	0250002527
Date	Nov 3, 2025
Instrument	250002527

Lender

Name	NFM LENDING
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	504 WHEAT ST, STAUNTON, VA 24401-4561
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 WHEAT ST, STAUNTON, VA 24401-4561

Mortgage

Document Number	0220003295
Date	Oct 21, 2022
Instrument	220003295

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	STAUNTON CITY VA
Recording Date	Jan 19, 2023
Property Address	504 WHEAT ST, STAUNTON, VA 24401-4561
Document Number	0230000131
Map Reference	MB 87 PG 302
Instrument Date	Jan 18, 2023
Instrument	230000131
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	STEWART TITLE, STEWART TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
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	504 WHEAT ST, STAUNTON, VA 24401-4561

Mortgage

Document Number	0230000132
Date	Jan 19, 2023
Instrument	230000132

Lender

Name	VBS MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	504 WHEAT ST, STAUNTON, VA 24401-4561
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 WHEAT ST, STAUNTON, VA 24401-4561

Mortgage

Document Number	0210004234
Date	Dec 14, 2021
Instrument	210004234

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	504 WHEAT ST, STAUNTON, VA 24401-4561
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210003235
Date	Sep 20, 2021
Instrument	210003235

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%
Type Change Date	Jun 1, 2020
Min Rate At Change	3%
Max Rate At Change	7.99%
Margin	3
Max Rate	7.99%

Tax Assessment & Valuation

Source: Staunton City assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Staunton City
Unified School District	Staunton City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,393.00 (+15.21%)	$263,000 (+12.68%) Land $53,800 Building $209,200	$263,000 (+12.68%) Land $53,800 Building $209,200
2023	$2,077.00	$233,400 Land $47,500 Building $185,900	$233,400 Land $47,500 Building $185,900

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 March 28, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	4 (1996–2021)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2021 · other causes
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 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 96% of the US · lower than 98% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF STAUNTON serves 25,750 people · EPA ID VA2790600
Water Source	Surface water
Last State Inspection	May 2025
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lingo Networks, Verizon.

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