509 Main St, Washington, VA 22747 Property Records

Rappahannock County property record for 509 Main St, Washington, VA 22747

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,827 sqft · built 1975
Lot Size	0.242 acres (10,542 sqft)
Owner	2 Individual Names on Record
Last Sale	$960,000 (Aug 2026)
Tax Bill	$4,719 (2025)
Deeds & Mortgages	Aug 2026 Sale Jul 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0 20A 1 12`

Property Details

APN / Parcel Number

Primary APN	`0 20A 1 12`
Alternative APNs	`20A 1 12` `1898`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,827 sqft Total Area
Gross Area	4,025 sqft
1st Floor Area	1,515 sqft
Attic	Attic
Attic Area	175 sqft
Sunroom	Sunroom
Flooring	Brick
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,542 sqft (0.242 acres)
Terrain	Rolling
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Screened Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	1898
Street Address	509 MAIN ST
City	WASHINGTON
State	VA
Zip	22747-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 546 SQ FT 2023 #530 ROS 2021 #590 2012 #159 2014 #605 & 998
Legal Subdivision	J L COVELL C L S
Legal Lot Number	10,546
Jurisdiction	RAPPAHANNOCK VA
Township / Civil Division	HAMPTON
Census Block Group	2
Census Block	2061
Census Tract	950100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Washington Historic District listed 1975 · 159 contributing resources · NRIS 75002033

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Rappahannock County records, as of August 18, 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	509 MAIN ST, WASHINGTON, VA 22747-1819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Jul 13, 2023	Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Apr 30, 2021	Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on Record
Deed Sale	Aug 10, 2026 · Amount on Record
Prior Sale	Jul 13, 2023 · Amount on Record
Deed Document Number	2026660
Prior Transfer Date	Oct 28, 2014
Prior Transfer Doc	0000000998
Record Updated	Sep 20, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Aug 10, 2026
Property Address	509 MAIN ST, WASHINGTON, VA 22747-1819
Document Number	0000000660
Instrument Date	Jul 28, 2026
Instrument	2026660
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$96,960.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MAIN ST, WASHINGTON, VA 22747-1819

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Jul 13, 2023
Property Address	509 MAIN ST, WASHINGTON, VA 22747-1819
Document Number	0000000530
Instrument Date	Jul 11, 2023
Instrument	230000530
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$494.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MAIN ST, WASHINGTON, VA 22747-1819

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Apr 30, 2021
Property Address	509 MAIN ST, WASHINGTON, VA 22747-1819
Document Number	210000590
Instrument Date	Apr 27, 2021
Instrument	590
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MAIN ST WASHINGTON VA 22747, WASHINGTON, VA 22747

Mortgage

Document Number	210000591
Date	Apr 30, 2021
Instrument	591

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 29, 2036

Interest

Rate Type	Fixed Rate

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Apr 30, 2021
Property Address	509 MAIN ST, WASHINGTON, VA 22747-1819
Document Number	0000000590
Instrument Date	Apr 27, 2021
Instrument	210000590
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
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	9 MAIN ST, WASHINGTON, VA 22747-1914

Mortgage

Document Number	0000000591
Date	Apr 30, 2021
Instrument	210000591

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

Source: Rappahannock County assessment roll, as of January 30, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Rappahannock County
Municipality	Washington Town
Unified School District	Rappahannock County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,719.00 (+3.28%)	$749,100 (-) Land $175,000 Building $574,100	$749,100 (-) Land $175,000 Building $574,100
2023	$4,569.00 (+1.67%)	$749,100 (-) Land $175,000 Building $574,100	$749,100 (-) Land $175,000 Building $574,100
2022	$4,494.00	$749,100 Land $175,000 Building $574,100	$749,100 Land $175,000 Building $574,100

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 May 1, 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	9 in force
Nearby Flood Claims	4 (1996–2025)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2025 · rainfall accumulation

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 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.04% 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.

Drinking Water

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

Water System	TOWN OF WASHINGTON serves 198 people · EPA ID VA6157400
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Jan 2025
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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