638 Long Point Ln, Topping, VA 23169 Property Records

Middlesex County property record for 638 Long Point Ln, Topping, VA 23169

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,788 sqft · built 1990
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Aug 2025)
Tax Bill	$3,331 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30A 1 29`

Property Details

APN / Parcel Number

Primary APN	`30A 1 29`
Alternative APN	`3737`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,788 sqft Living Area
Gross Area	4,314 sqft
1st Floor Area	2,783 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1999
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	57,499 sqft (1.32 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	85 sqft
Deck Area	1,441 sqft
Gazebo	50 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	3737
Street Address	638 LONG POINT LN
City	TOPPING
State	VA
Zip	23169-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LONG POINT 1.32 AC 181-487 490-D202-219 P222 D280-417 P419 D22-675 D24-19 25-1352 S111-10 D25-1364
Legal Subdivision	LONG POINT
Jurisdiction	MIDDLESEX VA
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1004
Census Tract	951100

Owner

638 Long Point Ln is owned by two individuals who bought it in August 2025.

Source: Middlesex County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16171 POINT BEVERLY CT, MONTPELIER, VA 23192-3066
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Aug 11, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Jan 25, 2024	Transfer on Death Deed, Transfer
Jan 8, 2024	Warranty Deed, Transfer · Seller Carry-Back PARTY III
Mar 25, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on File
Deed Sale	Aug 11, 2025 · Amount on File
Prior Sale	Jan 8, 2024 · Amount on File
Deed Document Number	20251364
Prior Transfer Date	Jan 5, 2024
Prior Transfer Doc	0000000093
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	638 LONG POINT LN, TOPPING, VA 23169
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 LONG POINT LN, TOPPING, VA 23169

Mortgage

Document Number	0250001593
Date	Sep 17, 2025
Instrument	250001593

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	6.37%
Max Rate At Change	11.3%
Max Rate	11.3%

August 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Aug 11, 2025
Property Address	638 LONG POINT LN, TOPPING, VA 23169
Document Number	0250001364
Map Reference	CAB 2 SL 111-9
Instrument Date	Aug 5, 2025
Instrument	250001364
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$685.00
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	16171 POINT BEVERLY CT, MONTPELIER, VA 23192-3066

Mortgage

Document Number	0250001365
Date	Aug 11, 2025
Instrument	250001365

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Mortgage

Document Number	0250001457
Date	Aug 27, 2025
Instrument	250001457

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Max Rate	11.3%

January 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Jan 25, 2024
Property Address	638 LONG POINT LN, TOPPING, VA 23169
Document Number	0240000093
Instrument Date	Jan 5, 2024
Instrument	240000093
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Jan 8, 2024
Property Address	638 LONG POINT LN, TOPPING, VA 23169
Document Number	0240000019
Instrument Date	Dec 12, 2023
Instrument	240000019
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1479, MIDLOTHIAN, VA 23113-8479

Mortgage

Document Number	0240000020
Date	Jan 8, 2024
Instrument	240000020

Lender

Name	PARTY III
Type	Private Party

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	119 Months
Due	Dec 28, 2033

Interest

Rate Type	Fixed Rate

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDDLESEX VA
Recording Date	Mar 25, 2022
Property Address	638 LONG POINT LN, TOPPING, VA 23169
Document Number	0220000675
Instrument Date	Mar 23, 2022
Instrument	220000675
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12120 ASHTON PARK DR, GLEN ALLEN, VA 23059-7129

Tax Assessment & Valuation

The 2026 property tax bill for 638 Long Point Ln was $3,331, down 1.2% from the year before.

Source: Middlesex County assessment roll, as of October 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,331.00 (-1.22%)	$546,077 (-1.23%) Land $166,800 Building $379,277	$546,077 (-1.23%) Land $166,800 Building $379,277
2025	$3,372.00	$552,900 Land $173,600 Building $379,300	$552,900 Land $173,600 Building $379,300
2023	$3,372.00	$552,900 Land $173,600 Building $379,300	$552,900 Land $173,600 Building $379,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 638 Long Point Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 25, 2025 · 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
Nearby Flood Policies	2 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

Wildfire risk around 638 Long Point Ln is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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