Highland County property record for 604 Spruce St, Monterey, VA 24465
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,380 sqft · built 1934 |
| Lot Size | 1.16 acres (50,660 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $854 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 31A3 A 5 |
| Primary APN | 31A3 A 5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,380 sqft Living Area |
| Basement Area | 150 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1934 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Metal |
| Lot Area | 50,660 sqft (1.16 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 133 sqft |
| Shed | 1 Shed |
| Storage Building | 192 sqft |
| Sewer | Septic |
|---|---|
| Water Source | Commercial |
| Account Number | 1321 |
|---|---|
| Street Address | 604 SPRUCE ST |
| City | MONTEREY |
| State | VA |
| Zip | 24465-2422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E34S25W19W15N25; N7E13E8E13S7W34; S7W19N7E19; S7W15N7E15; N6E8S6W8 |
| Jurisdiction | HIGHLAND VA |
| Township / Civil Division | MONTEREY |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 970100 |
604 Spruce St is owned and occupied by an individual.
Source: Highland County records, as of June 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 604 SPRUCE ST, MONTEREY, VA 24465-2422 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 604 Spruce St was $854.
Source: Highland County assessment roll, as of June 12, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Highland County |
| Unified School District | Highland County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $854.00 | $167,600 Land $35,000 Building $132,600 | |
| 2024 | $167,600 Land $35,000 Building $132,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 604 Spruce St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective April 2, 2009 · 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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1996–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Nov 2003 · 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 risk around 604 Spruce St is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 65% of Virginia |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative Fiber | 1,000 / 500 |
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