538 Mill Wharf Rd, Wake, VA 23176 Property Records

Middlesex County property record for 538 Mill Wharf Rd, Wake, VA 23176

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,133 sqft · built 1900
Lot Size	25.5 acres (1,110,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,750 (Sep 2012)
Tax Bill	$2,303 (2026)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`38 176`

Property Details

APN / Parcel Number

Primary APN	`38 176`
Alternative APN	`10379`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,133 sqft Living Area
Gross Area	3,760 sqft
1st Floor Area	884 sqft
Basement Area	299 sqft
Unfinished Basement	299 sqft
Flooring	Plywood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1957
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Metal
Lot Area	1,110,780 sqft (25.5 acres)
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	24 sqft
Shed	1 Shed
Shed Area	120 sqft
Stable	900 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	10379
Street Address	538 MILL WHARF RD
City	WAKE
State	VA
Zip	23176
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	MILL CREEK 25.502 AC (LUCA) W36-117 211-42 AFF-6-401 D6-402 P16-557 7-1339 P1339 D12-1783
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 24, WAKE, VA 23176-0024
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2012 · Amount on Record
Deed Sale	Sep 7, 2012 · Amount on Record
Prior Sale	Feb 2, 2006 · Amount on Record
Deed Book / Page	1200 / 1783
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	538 MILL WHARF RD, WAKE, VA 23176
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000020
Date	Jan 8, 2018
Instrument	180000020

Lender

Name	SONABANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,303.00	$428,200 (-) Land $210,800 Building $217,400	$428,200 (-) Land $210,800 Building $217,400
2025	$2,303.00	$428,200 (-) Land $210,800 Building $217,400	$428,200 (-) Land $210,800 Building $217,400
2023	$2,303.00	$428,200 Land $210,800 Building $217,400	$428,200 Land $210,800 Building $217,400

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Mill Wharf Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures