579 Bay Pointe Dr, Montross, VA 22520 Property Records

Westmoreland County property record for 579 Bay Pointe Dr, Montross, VA 22520

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,434 sqft · built 1995
Lot Size	1.04 acres (45,303 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,583 (2025)
Deeds & Mortgages	Apr 2021 Refinance Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`23E-172`

Property Details

APN / Parcel Number

Primary APN	`23E-172`
Alternative APN	`11934`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,434 sqft Living Area
Basement Area	1,521 sqft
Unfinished Basement	1,521 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Metal
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	45,303 sqft (1.04 acres)
Garage Area	864 sqft
Driveway	Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Deck Area	125 sqft
Patio Area	20 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	11934
Street Address	579 BAY POINTE DR
City	MONTROSS
State	VA
Zip	22520-8843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CURRIOMAN BAY ESTATES LOT 172DB 613 PG 219 R/S
Legal Subdivision	CURRIOMAN BAY ESTS
Legal Lot Number	172
Jurisdiction	WESTMORELAND VA
Township / Civil Division	MONTROSS
Census Block Group	1
Census Block	1044
Census Tract	10200

Owner

Source: Westmoreland County records, as of September 29, 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	579 BAY POINTE DR, MONTROSS, VA 22520-8843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BNC NATIONAL BANK
Apr 29, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 27, 2021
Transfer Doc	0009422777
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND VA
Property Address	579 BAY POINTE DR, MONTROSS, VA 22520-8843
Transaction Type	Mortgage
Record Updated	Mar 14, 2024
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009422779
Date	Apr 29, 2021
Instrument	09422779

Lender

Name	BNC NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	362 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WESTMORELAND VA
Recording Date	Apr 29, 2021
Property Address	579 BAY POINTE DR, MONTROSS, VA 22520-8843
Document Number	09422777
Instrument Date	Apr 27, 2021
Instrument	09422777
Transaction Type	Transfer
Record Updated	May 26, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	579 BAY POINTE DR, MONTROSS, VA 22520-8843

Mortgage

Document Number	0009422779
Date	Apr 29, 2021
Instrument	09422779

Lender

Name	BNC NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	362 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

Source: Westmoreland County assessment roll, as of January 8, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Westmoreland County
Unified School District	Westmoreland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,583.00 (+9.67%)	$527,000 (-) Land $172,300 Building $354,700	$527,000 (-) Land $172,300 Building $354,700
2023	$3,267.00	$527,000 Land $172,300 Building $354,700	$527,000 Land $172,300 Building $354,700

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 22, 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (2003–2020)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2020 · 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	STRATFORD HARBOUR private · serves 1,230 people · EPA ID VA4193920
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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