538 Wading Creek Rd, Dutton, VA 23050 Property Records

Mathews County property record for 538 Wading Creek Rd, Dutton, VA 23050

Property Summary

Property Type	Single Family Home
Details	2,808 sqft
Lot Size	3.71 acres (161,608 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Nov 2018)
Tax Bill	$2,969 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3-3-B8`

Property Details

APN / Parcel Number

Primary APN	`3-3-B8`

Interior

Stories	2 Stories
Building Area	2,808 sqft Living Area

Exterior

Lot Area	161,608 sqft (3.71 acres)

Location & Zoning

Street Address	538 WADING CREEK RD
City	DUTTON
State	VA
Zip	23050-9779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.71 ACRES PB 9-100
Legal Lot Number	B8
Jurisdiction	MATHEWS VA
Township / Civil Division	PIANKATANK
Census Block Group	2
Census Block	2006
Census Tract	951301

Owner

538 Wading Creek Rd is owned and occupied by an individual who bought it in November 2018.

Source: Mathews County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	538 WADING CREEK RD, DUTTON, VA 23050-9779
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Line of Credit WALTON MORTGAGE INC
Dec 7, 2022	Deed of Trust, Mortgage · Line of Credit LANGLEY FCU
May 7, 2018	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Nov 21, 2018	Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2018 · Amount on File
Deed Sale	Nov 21, 2018 · Amount on File
Deed Document Number	20181399
Prior Transfer Date	Aug 14, 2014
Prior Transfer Doc	0000000999
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Recording Date	Apr 2, 2026
Property Address	538 WADING CREEK RD, DUTTON, VA 23050-9779
Document Number	0000000405
Instrument Date	Mar 4, 2026
Instrument	2026405
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 WADING CREEK RD, DUTTON, VA 23050-9779

Mortgage

Document Number	0000000405,
Date	Apr 2, 2026
Instrument	2026405

Lender

Name	WALTON MORTGAGE INC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.11%
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	538 WADING CREEK RD, DUTTON, VA 23050-9779
Transaction Type	Mortgage
Record Updated	Feb 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001799
Date	Dec 7, 2022
Instrument	220001799

Lender

Name	LANGLEY FCU
Type	Credit Union
Address	NEWPORT NEWS, VA 23612

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	144 Months
Due	Dec 6, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	538 WADING CREEK RD, DUTTON, VA 23050-9779
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	180000554
Date	May 7, 2018
Instrument	180000554

Lender

Name	CHESAPEAKE BANK
Type	Bank
Address	KILMARNOCK, VA 22482

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MATHEWS VA
Property Address	538 WADING CREEK RD, DUTTON, VA 23050-9779
Transaction Type	Mortgage
Record Updated	Jul 9, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200000858
Date	Jun 30, 2020
Instrument	200000858

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MATHEWS VA
Recording Date	Nov 21, 2018
Property Address	538 WADING CREEK RD, DUTTON, VA 23050-9779
Document Number	180001399
Map Reference	MB 8 PG 121
Instrument Date	Nov 14, 2018
Instrument	180001399
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 WADING CREEK RD, MATHEWS, VA 23109

Mortgage

Document Number	180001400
Date	Nov 21, 2018
Instrument	180001400

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 538 Wading Creek Rd was $2,969.

Source: Mathews County assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,969.00	$478,900 (-) Land $80,100 Building $398,800
2025	$2,969.00	$478,900 Land $80,100 Building $398,800
2023	$2,681.00	$478,900 Land $80,100 Building $398,800	$478,900 Land $80,100 Building $398,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 538 Wading Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 29, 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 File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (2003–2006)
Most Recent Claim	Sep 2006 · Tropical Depression Ernesto, Severe Storms And Flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 2 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

Wildfire risk around 538 Wading Creek Rd is low, with a 0.03% annual chance of 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	0.03% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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