515 River Ridge Dr, Middletown, VA 22645 Property Records

Warren County property record for 515 River Ridge Dr, Middletown, VA 22645

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,772 sqft · built 1998
Lot Size	13 acres (566,280 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Feb 2026)
Tax Bill	$4,755 (2026)
Deeds & Mortgages	May 2008 Mortgage Nov 2014 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11E-17`

Property Details

APN / Parcel Number

Primary APN	`11E-17`
Alternative APN	`30145`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,772 sqft Living Area
Gross Area	4,777 sqft
1st Floor Area	1,372 sqft
Basement Area	1,372 sqft
Finished Basement	1,372 sqft
Unfinished Basement	1,372 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	566,280 sqft (13 acres)
Terrain	Wooded
Garage Type	Detached
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	221 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Well

Location & Zoning

Account Number	30145
Street Address	515 RIVER RIDGE DR
City	MIDDLETOWN
State	VA
Zip	22645-3965
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	L17 RIVER RIDGE ON THE SHENANDOAH PHASE 2 RESIDUE SUBDIV LR08-3156
Legal Subdivision	RIVER RIDGE ON THE SHENANDOAH
Legal Phase	2
Jurisdiction	WARREN VA
Township / Civil Division	NORTH RIVER
Census Block Group	2
Census Block	2086
Census Tract	20200

Owner

Source: Warren County assessment roll, as of April 20, 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 File
Mailing Address	515 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3965
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 19, 2008	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 21, 2014	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Aug 26, 2015	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Aug 9, 2007	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NA
May 22, 2008	Deed of Trust, Mortgage DOUGLAS C ARTHUR
Feb 24, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 24, 2026 · Amount on Record
Deed Sale	Feb 24, 2026 · Amount on Record
Deed Document Number	2026854
Prior Transfer Date	May 8, 2008
Prior Transfer Doc	0000003156
Record Updated	Sep 20, 2026

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	515 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3965
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080003344
Date	May 19, 2008
Instrument	080003344

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2038

Interest

Rate	5.75%

November 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	515 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3965
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0140005661
Date	Nov 21, 2014
Instrument	140005661

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2024

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	515 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3965
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	NAVY FEDERAL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0150004315
Date	Aug 26, 2015
Instrument	150004315

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2045

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	515 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3965
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070007532
Date	Aug 9, 2007
Instrument	070007532

Lender

Name	WACHOVIA BANK NA
Type	Bank
Address	CHARLOTTE, NC 28288

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 22, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	515 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3965
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080003430
Date	May 22, 2008
Instrument	080003430

Lender

Name	DOUGLAS C ARTHUR
Type	Private Party
Address	00000

Agreement

Amount	Amount Recorded
Term	72 Months
Due	May 19, 2014

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN VA
Recording Date	Feb 24, 2026
Property Address	515 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3965
Document Number	0260000854
Map Reference	DOC 080003156
Instrument Date	Feb 23, 2026
Instrument	260000854
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$836.00
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	515 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3965
Investor	Possibly a Property Investor

Mortgage

Document Number	0260000855
Date	Feb 24, 2026
Instrument	260000855

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

Source: Warren County assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Warren County
Unified School District	Warren County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,755.00 (+18.82%)	$835,640 (-) Land $225,000 Building $610,640
2025	$4,002.00 (+19.04%)	$835,640 (+21.76%) Land $225,000 Building $610,640	$835,640 (+21.76%) Land $225,000 Building $610,640
2024	$3,362.00	$686,300 (-) Land $159,000 Building $527,300	$686,300 (-) Land $159,000 Building $527,300
2023		$686,300 Land $159,000 Building $527,300	$686,300 Land $159,000 Building $527,300
2022	$3,362.00

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 June 3, 2008 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 in force

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 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

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