641 Welsh Dr, Ruther Glen, VA 22546 Property Records

Caroline County property record for 641 Welsh Dr, Ruther Glen, VA 22546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 872 sqft · built 2006
Lot Size	0.301 acres (13,120 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Oct 2023)
Tax Bill	$1,794 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51A6-1 B-501`

Property Details

APN / Parcel Number

Primary APN	`51A6-1 B-501`
Alternative APNs	`051A6 1 B 501` `12792`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	872 sqft Living Area
Gross Area	1,788 sqft
1st Floor Area	748 sqft
Basement Area	748 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Split Foyer
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,120 sqft (0.301 acres)
Terrain	Rolling
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	12792
Street Address	641 WELSH DR
City	RUTHER GLEN
State	VA
Zip	22546-1157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE LAND OR LOT B501
Legal Subdivision	LAKE LAND
Legal Lot Number	B501
Jurisdiction	CAROLINE VA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1011
Census Tract	30502

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	641 WELSH DR, RUTHER GLEN, VA 22546-1157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed, Transfer · FHA Mortgage NFM INC
Jan 8, 2021	Grant Deed, Transfer ALCOVA MTG
Jan 7, 2020	Deed of Trust, Mortgage ALCOVA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2023 · Amount on Record
Deed Sale	Oct 20, 2023 · Amount on Record
Prior Sale	Jan 8, 2021 · Amount on Record
Deed Document Number	20233933
Record Updated	Sep 20, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE VA
Recording Date	Oct 20, 2023
Property Address	641 WELSH DR, RUTHER GLEN, VA 22546-1157
Document Number	0230003933
Map Reference	MB 205 PG 399
Instrument Date	Oct 18, 2023
Instrument	230003933
Transaction Type	Transfer
Record Updated	Nov 15, 2023
Title Company	OMEGA TITLE INSURANCE COMPANY, DOMA TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.50
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	641 WELSH DR, RUTHER GLEN, VA 22546-1157

Mortgage

Document Number	0230003934
Date	Oct 20, 2023
Instrument	230003934

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE VA
Recording Date	Jan 8, 2021
Property Address	641 WELSH DR, RUTHER GLEN, VA 22546-1157
Document Number	1414797
Book / Page	001414 / 000797
Instrument Date	Dec 23, 2020
Instrument	148
Transaction Type	Transfer
Record Updated	Feb 5, 2021
Title Company	TITLE PROFESSIONALS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$253.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	641 WELSH DR RUTHER GLEN VA 225461157, RUTHER GLEN, VA 22546-1157

Mortgage

Document Number	1414801
Date	Jan 8, 2021
Book Page	001414/000801
Instrument	149

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	641 WELSH DR, RUTHER GLEN, VA 22546-1157
Document Number	1414801
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	TITLE PROFESSIONALS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	641 WELSH DR RUTHER GLEN VA 225461157, RUTHER GLEN, VA 22546-1157

Mortgage

Document Number	1414801
Date	Jan 8, 2021
Book Page	001414/000801
Instrument	149

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

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	$1,794.00 (-99.25%)	$309,300 (+85.77%) Land $50,000 Building $259,300
2025	$238,161.00 (+18,477.3%)		$309,300 (+85.77%) Land $50,000 Building $259,300
2023	$1,282.00	$166,500 Land $46,000 Building $120,500
2022			$166,500 Land $46,000 Building $120,500

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	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

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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