64 Lake Ter, Ridgeway, VA 24148 Property Records

Henry County property record for 64 Lake Ter, Ridgeway, VA 24148

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,325 sqft · built 1974
Lot Size	0.55 acres (24,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Dec 2025)
Tax Bill	$407 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`126765000`

Property Details

APN / Parcel Number

Primary APN	`126765000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,325 sqft Living Area
Basement Area	1,025 sqft
Unfinished Basement	1,025 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	24,087 sqft (0.55 acres)

Location & Zoning

Street Address	64 LAKE TER
City	RIDGEWAY
State	VA
Zip	24148-3858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LAKEWOOD FOREST LAKEWOOD TERR LOT 11 SEC H
Legal Subdivision	H LAKEWOOD FOREST SD
Legal Lot Number	11
Jurisdiction	HENRY VA
Township / Civil Division	HORSEPASTURE
Census Block Group	1
Census Block	1022
Census Tract	10700

Owner

Source: Henry County records, as of March 26, 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	64 LAKE TER, RIDGEWAY, VA 24148-3858
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed, Transfer · FHA Mortgage ALCOVA MORTGAGE LLC
Jan 20, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage BLUE RIDGE BANK NA
Nov 10, 2021	Special Warranty Deed, Transfer · Stand-Alone First Mortgage MARTINSVILLE FIRST SAVINGS BANK
Jul 28, 2021	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Prior Sale	Jan 20, 2023 · Amount on Record
Deed Document Number	20254543
Record Updated	Jun 8, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HENRY VA
Recording Date	Dec 3, 2025
Property Address	64 LAKE TER, RIDGEWAY, VA 24148-3858
Document Number	0250004543
Instrument Date	Dec 2, 2025
Instrument	250004543
Transaction Type	Transfer
Record Updated	Dec 30, 2025
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	64 LAKE TER, RIDGEWAY, VA 24148-3858

Mortgage

Document Number	0250004544
Date	Dec 3, 2025
Instrument	250004544

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY VA
Recording Date	Jan 20, 2023
Property Address	64 LAKE TER, RIDGEWAY, VA 24148-3858
Document Number	0230000194
Instrument Date	Jan 20, 2023
Instrument	230000194
Transaction Type	Transfer
Record Updated	Feb 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	64 LAKE TER, RIDGEWAY, VA 24148-3858

Mortgage

Document Number	0230000195
Date	Jan 20, 2023
Instrument	230000195

Lender

Name	BLUE RIDGE BANK NA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HENRY VA
Recording Date	Nov 10, 2021
Property Address	64 LAKE TER, RIDGEWAY, VA 24148-3858
Document Number	210005008
Instrument Date	Nov 9, 2021
Instrument	210005008
Transaction Type	Transfer
Record Updated	Dec 8, 2021

Transaction

Amount	Amount Recorded
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 204, COLLINSVILLE, VA 24078-0204

Mortgage

Document Number	210005009
Date	Nov 10, 2021
Instrument	210005009

Lender

Name	MARTINSVILLE FIRST SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	318 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate

July 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HENRY VA
Recording Date	Jul 28, 2021
Property Address	64 LAKE TER, RIDGEWAY, VA 24148-3858
Document Number	210003387
Instrument Date	Jun 11, 2021
Instrument	210003387
Transaction Type	Foreclosure
Record Updated	Aug 11, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Henry County assessment roll, as of October 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$407.00	$73,400 (-) Land $9,500 Building $63,900
2023	$407.00	$73,400 Land $9,500 Building $63,900	$73,400 (-) Land $9,500 Building $63,900
2021			$73,400 Land $9,500 Building $63,900

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 September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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