5574 E Point Rd, Elkton, VA 22827 Property Records

Rockingham County property record for 5574 E Point Rd, Elkton, VA 22827

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,878 sqft · built 1941
Lot Size	4.43 acres (192,971 sqft)
Owner	Individual Name on Record
Tax Bill	$1,494 (2026)
Deeds & Mortgages	Oct 2009 Mortgage Apr 2005 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`114-(A)-L161`

Property Details

APN / Parcel Number

Primary APN	`114-(A)-L161`
Alternative APNs	`R1680` `1680`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,878 sqft Living Area
Gross Area	4,031 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1941
Effective Year Built	Effective 2006
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	192,971 sqft (4.43 acres)
Garage Area	625 sqft
Driveway	Gravel Driveway
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R1680
Street Address	5574 E POINT RD
City	ELKTON
State	VA
Zip	22827-2423
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A2
Legal Description	HUMES RUN
Legal Subdivision	HUMES RUN
Jurisdiction	ROCKINGHAM VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1005
Census Tract	10301

Owner

Source: Rockingham County records, as of June 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5574 E POINT RD, ELKTON, VA 22827-2423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2009	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL FINANCE CORP
Apr 25, 2005	Deed of Trust, Mortgage · ARM WASHINGTON MUTUAL BANK FA
May 20, 2026	Gift Deed, Transfer · VA Mortgage USAA FSB
May 20, 2026	Gift Deed, Transfer · VA Mortgage USAA FSB
May 11, 2021	Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026
Deed Sale	May 20, 2026
Prior Sale	May 11, 2021 · Amount on Record
Deed Document Number	202610948
Deed Book / Page	6050 / 395
Prior Transfer Date	May 14, 2026
Prior Transfer Doc	006050/395
Record Updated	Oct 29, 2026

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	5574 E POINT RD, ELKTON, VA 22827-2423
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY OF OHIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003608/363
Date	Oct 21, 2009
Book Page	3608/363
Instrument	2009-00032898

Lender

Name	RESIDENTIAL FINANCE CORP
Type	Funding / Finance Company
Address	COLUMBUS, OH 43215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2039

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	5574 E POINT RD, ELKTON, VA 22827-2423
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	MAIN STREET TITLE AND ESCROW, MAIN STREET TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002657/530
Date	Apr 25, 2005
Book Page	2657/530
Instrument	2005-00011990

Lender

Name	WASHINGTON MUTUAL BANK FA
Type	Bank
Address	95290

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.19%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2005
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.1%

May 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	May 20, 2026
Property Address	5574 E POINT RD, ELKTON, VA 22827-2423
Document Number	0000010948
Book / Page	6050 / 395
Instrument Date	May 14, 2026
Instrument	202610948
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	ESSENT TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5574 E POINT RD, ELKTON, VA 22827-2423
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010949,
Date	May 20, 2026
Instrument	202610949

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	5.88%
Max Rate	-1%

May 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	May 20, 2026
Property Address	5574 E POINT RD, ELKTON, VA 22827-2423
Document Number	006050/395
Book / Page	6050 / 395
Instrument Date	May 14, 2026
Instrument	202610948
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	ESSENT TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5574 E POINT RD, ELKTON, VA 22827-2423
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010949,
Date	May 20, 2026
Instrument	202610949

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	5.88%
Max Rate	-1%

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	May 11, 2021
Property Address	5574 E POINT RD, ELKTON, VA 22827-2423
Document Number	5414/177
Book / Page	5414 / 177
Instrument Date	May 10, 2021
Instrument	2021-12562
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
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	5574 E POINT RD, ELKTON, VA 22827-2423

Mortgage

Document Number	202112563
Date	May 11, 2021
Instrument	2021-12563

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Rockingham County assessment roll, as of June 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,494.00 (+11.66%)	$226,475 (+15.02%) Land $85,900 Building $140,575	$226,475 (+15.02%) Land $85,900 Building $140,575
2025	$1,338.00	$196,900 Land $57,300 Building $139,600
2022			$196,900 Land $57,300 Building $139,600

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 April 13, 2024 · 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2006–2025)
Most Recent Claim	Jul 2025 · river or lake flooding

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 67% of the US · above 54% 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 34 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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