632 Wright Dr, Ruther Glen, VA 22546 Property Records

Caroline County property record for 632 Wright Dr, Ruther Glen, VA 22546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,074 sqft · built 2006
Lot Size	1.44 acres (62,901 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Nov 2019)
Tax Bill	$2,408 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`51A9-1-307`

Property Details

APN / Parcel Number

Primary APN	`51A9-1-307`
Alternative APNs	`051A9 1 307` `13191`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,074 sqft Living Area
Gross Area	3,925 sqft
1st Floor Area	900 sqft
Basement Area	900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,901 sqft (1.44 acres)
Terrain	Rolling
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	13191
Street Address	632 WRIGHT DR
City	RUTHER GLEN
State	VA
Zip	22546-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE LAND OR LOT 307 REVISED LOTS 274 & 307
Legal Subdivision	LAKE LAND
Legal Lot Number	307
Jurisdiction	CAROLINE VA
Township / Civil Division	MADISON
Census Block Group	2
Census Block	2019
Census Tract	30501

Owner

Source: Caroline County records, as of August 18, 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	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Mar 29, 2021	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 20, 2020	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAY SVCNG LLC
Nov 12, 2019	Grant Deed, Transfer · VA Mortgage FAY SVCNG LLC
Jun 5, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Prior Sale	Jun 5, 2019 · Amount on Record
Deed Document Number	20194093
Deed Book / Page	1356 / 448
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318

Mortgage

Document Number	0001478962
Date	Dec 21, 2021
Book Page	1478/962
Instrument	210007860

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	FREDERICKSBURG, VA 22408

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	STATE TITLE AGENCY INC, STATES TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1429311
Date	Mar 29, 2021
Book Page	1429/311
Instrument	210001812

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318

Mortgage

Document Number	1401658
Date	Oct 20, 2020
Book Page	1401/658
Instrument	200004684

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	SPOTSYLVANIA, VA 22551

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318
Document Number	1365599
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	TITLE CLEARING AND ESCROW, TITLE CLEARING & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	632 WRIGHT DR RUTHER GLEN VA 225461318, RUTHER GLEN, VA 22546-1318

Mortgage

Document Number	1365599
Date	Jan 24, 2020
Book Page	001365/000599
Instrument	341

Lender

Name	FAY SVCNG LLC
Address	CARROLLTON, TX 75006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE VA
Recording Date	Nov 12, 2019
Property Address	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318
Document Number	1356448
Book / Page	001356 / 000448
Instrument Date	Aug 12, 2019
Instrument	4093
Transaction Type	Transfer
Record Updated	Feb 5, 2020
Title Company	TITLE CLEARING AND ESCROW, TITLE CLEARING & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	632 WRIGHT DR RUTHER GLEN VA 225461318, RUTHER GLEN, VA 22546-1318

Mortgage

Document Number	1356453
Date	Nov 12, 2019
Book Page	001356/000453
Instrument	4094

Lender

Name	FAY SVCNG LLC
Address	CARROLLTON, TX 75006

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

June 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CAROLINE VA
Recording Date	Jun 5, 2019
Property Address	632 WRIGHT DR, RUTHER GLEN, VA 22546-1318
Document Number	1340410
Book / Page	001340 / 000410
Instrument Date	May 15, 2019
Instrument	1867
Transaction Type	Foreclosure
Record Updated	Jul 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 WRIGHT DR RUTHER GLEN VA 225461318, RUTHER GLEN, VA 22546-1318

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of June 5, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,408.00 (-99.25%)	$415,100 Land $65,000 Building $350,100
2025	$319,627.00		$415,100 Land $65,000 Building $350,100

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 June 14, 2026 · 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	9 in force

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE LAND`OR private · serves 4,818 people · EPA ID VA6033450
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2023–2025) 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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