Caroline County property record for 638 Welsh Dr, Ruther Glen, VA 22546
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,272 sqft · built 2018 |
| Lot Size | 0.522 acres (22,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $256,000 (Jul 2018) |
| Tax Bill | $2,631 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51A6-1 B-527 |
| Primary APN | 51A6-1 B-527 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,272 sqft Living Area |
| Gross Area | 3,704 sqft |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,761 sqft (0.522 acres) |
| Terrain | Rolling |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 4111 |
|---|---|
| Street Address | 638 WELSH DR |
| City | RUTHER GLEN |
| State | VA |
| Zip | 22546-1135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE LAND OR LOT B527 250 DEVON DR/638 WELSH DR |
| Legal Subdivision | LAKE LAND |
| Legal Lot Number | B527 |
| Jurisdiction | CAROLINE VA |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 30502 |
638 Welsh Dr is owned and occupied by an individual who bought it in July 2018.
Source: Caroline County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 638 WELSH DR, RUTHER GLEN, VA 22546-1135 |
| 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.
| Date | Document |
|---|---|
| Jun 16, 2020 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Jul 17, 2018 | Grant Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 17, 2018 · Amount on File |
| Deed Sale | Jul 17, 2018 · Amount on File |
| Prior Sale | Jan 17, 2018 · Amount on File |
| Deed Document Number | 20182599 |
| Deed Book / Page | 1311 / 632 |
| Prior Transfer Date | Nov 18, 2017 |
| Prior Transfer Doc | 1291297 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE VA |
| Property Address | 638 WELSH DR, RUTHER GLEN, VA 22546-1135 |
| Document Number | 1382130 |
| Instrument Date | Jun 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | MBH SETTLEMENT GROUP LC, MBH SETTLEMENT GRP LC |
| Name | Verified Name |
|---|---|
| Address | 638 WELSH DR RUTHER GLEN VA 225461135, RUTHER GLEN, VA 22546-1135 |
| Document Number | 1382130 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 001382/000130 |
| Instrument | 2403 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Jul 17, 2018 |
| Property Address | 638 WELSH DR, RUTHER GLEN, VA 22546-1135 |
| Document Number | 1311632 |
| Book / Page | 001311 / 000632 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 2599 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 26, 2018 |
| Title Company | MBH SETTLEMENT GROUP LC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $256.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 638 WELSH DR RUTHER GLEN VA 22546, RUTHER GLEN, VA 22546 |
| Document Number | 1311636 |
|---|---|
| Date | Jul 17, 2018 |
| Book Page | 001311/000636 |
| Instrument | 2600 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2048 |
The 2026 property tax bill for 638 Welsh Dr was $2,631, down 99.2% from the year before.
Source: Caroline County assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Caroline County |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,631.00 (-99.25%) | $453,600 Land $55,000 Building $398,600 | |
| 2025 | $349,272.00 | $453,600 Land $55,000 Building $398,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 Welsh Dr in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 638 Welsh Dr 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 139 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 |
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