635 Stuart St, Staunton, VA 24401 Property Records

Staunton City property record for 635 Stuart St, Staunton, VA 24401

Property Summary

Property Type	Single Family Home
Details	0.5 ba · 748 sqft · built 1952
Lot Size	0.068 acres (2,976 sqft)
Owner	2 Individual Names on Record
Last Sale	$154,900 (Apr 2026)
Tax Bill	$663 (2026)
Deeds & Mortgages	Oct 2018 Line of Credit Oct 2011 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`3341`

Property Details

APN / Parcel Number

Primary APN	`3341`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	748 sqft Living Area
Gross Area	1,462 sqft
1st Floor Area	600 sqft
Basement Area	440 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	2,976 sqft (0.068 acres)
Lot Dimensions	88 ft deep x 32 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	635 STUART ST
City	STAUNTON
State	VA
Zip	24401-4173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	(LOT 7 BLK D)
Legal Block	D
Legal Lot Number	7
Jurisdiction	STAUNTON CITY VA
Township / Civil Division	STAUNTON
Census Block Group	1
Census Block	1057
Census Tract	100

Owner

Source: Staunton City records, as of August 13, 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	635 STUART ST, STAUNTON, VA 24401-4173
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2018	Deed of Trust, Mortgage · Line of Credit VIRGINIA NATIONAL BANK
Oct 17, 2011	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Mar 17, 2009	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Apr 14, 2026	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 19, 2026	Gift Deed, Transfer
Jul 30, 2018	Deed, Transfer
May 9, 2018	Deed, Transfer BANKERS TITLE/SHENANDOAH, BANKERS TITLE SHENANDOAH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	May 9, 2018 · Amount on Record
Deed Document Number	2026829
Prior Transfer Date	Jan 12, 2026
Prior Transfer Doc	0000000363
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	635 STUART ST, STAUNTON, VA 24401-4173
Transaction Type	Mortgage
Record Updated	May 4, 2026
Title Company	BANKERS TITLE/SHENANDOAH, BANKERS TITLE SHENANDOAH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180002532
Date	Oct 25, 2018
Instrument	180002532

Lender

Name	VIRGINIA NATIONAL BANK
Type	Bank
Address	CHARLOTTESVILLE, VA 22902

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	635 STUART ST, STAUNTON, VA 24401-4173
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110002347
Date	Oct 17, 2011
Instrument	110002347

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STAUNTON CITY VA
Property Address	635 STUART ST, STAUNTON, VA 24401-4173
Transaction Type	Mortgage
Record Updated	May 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090000780
Date	Mar 17, 2009
Instrument	090000780

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

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

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	STAUNTON CITY VA
Recording Date	Apr 14, 2026
Property Address	635 STUART ST, STAUNTON, VA 24401-4173
Document Number	0000000829
Instrument Date	Apr 14, 2026
Instrument	2026.829
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,644.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	635 STUART ST, STAUNTON, VA 24401-4173

Mortgage

Document Number	0000000832,
Date	Apr 14, 2026
Instrument	2026..832

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	STAUNTON CITY VA
Recording Date	Feb 19, 2026
Property Address	635 STUART ST, STAUNTON, VA 24401-4173
Document Number	0260000363
Instrument Date	Jan 12, 2026
Instrument	260000363
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 GENTRY LN, CHARLOTTESVILLE, VA 22903-1320

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	STAUNTON CITY VA
Recording Date	Jul 30, 2018
Property Address	635 STUART ST, STAUNTON, VA 24401-4173
Document Number	180001772
Instrument Date	Jul 23, 2018
Instrument	180001772
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	912 ALTAVISTA AVE, CHARLOTTESVILLE, VA 22902-6204

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	STAUNTON CITY VA
Recording Date	May 9, 2018
Property Address	635 STUART ST, STAUNTON, VA 24401-4173
Document Number	180001055
Instrument Date	May 4, 2018
Instrument	180001055
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	BANKERS TITLE/SHENANDOAH, BANKERS TITLE SHENANDOAH

Transaction

Amount	Amount Recorded
Tax	$32.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 ROCKWAY ST, STAUNTON, VA 24401-2266

Tax Assessment & Valuation

Source: Staunton City assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Staunton City
Unified School District	Staunton City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$663.00	$72,860 (-) Land $26,360 Building $46,500	$72,860 (-) Land $26,360 Building $46,500
2025	$663.00 (+17.76%)	$72,860 (+15.07%) Land $26,360 Building $46,500	$72,860 (+15.07%) Land $26,360 Building $46,500
2023	$563.00	$63,320 Land $24,220 Building $39,100	$63,320 Land $24,220 Building $39,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 28, 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 Record median of 41 policies
Nearby Flood Policies	41 in force
Nearby Flood Claims	16 (1996–2020)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Aug 2020 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CITY OF STAUNTON serves 25,750 people · EPA ID VA2790600
Water Source	Surface water
Last State Inspection	May 2025
Lead	4 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	21 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Lingo Networks, Verizon.

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