643 Welsh Dr, Ruther Glen, VA 22546 Property Records

Caroline County property record for 643 Welsh Dr, Ruther Glen, VA 22546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,810 sqft · built 2003
Lot Size	0.28 acres (12,199 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (May 2022)
Tax Bill	$2,061 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51A6-1 B-500`

Property Details

APN / Parcel Number

Primary APN	`51A6-1 B-500`
Alternative APNs	`051A6 1 B 500` `12791`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,810 sqft Living Area
Gross Area	3,370 sqft
1st Floor Area	900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,199 sqft (0.28 acres)
Terrain	Rolling
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	12791
Street Address	643 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 B500
Legal Subdivision	LAKE LAND
Legal Lot Number	B500
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	643 WELSH DR, RUTHER GLEN, VA 22546-1157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
May 24, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 27, 2019	Grant Deed, Transfer ALCOVA MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2022 · Amount on Record
Deed Sale	May 23, 2022 · Amount on Record
Prior Sale	Nov 27, 2019 · Amount on Record
Deed Document Number	20222557
Deed Book / Page	1499 / 746
Prior Transfer Date	Dec 16, 2011
Prior Transfer Doc	1077914
Record Updated	Sep 20, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE VA
Recording Date	May 23, 2022
Property Address	643 WELSH DR, RUTHER GLEN, VA 22546-1157
Document Number	0001499746
Book / Page	1499 / 746
Map Reference	MB 205 PG 382
Instrument Date	May 20, 2022
Instrument	220002557
Transaction Type	Transfer
Record Updated	Nov 22, 2022
Title Company	NOT AVAILABLE, ENVOY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
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	643 WELSH DR, RUTHER GLEN, VA 22546-1157

Mortgage

Document Number	0220002558
Date	May 23, 2022
Instrument	220002558

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	643 WELSH DR, RUTHER GLEN, VA 22546-1157
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1440497
Date	May 24, 2021
Book Page	1440/497
Instrument	210003091

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE VA
Recording Date	Nov 27, 2019
Property Address	643 WELSH DR, RUTHER GLEN, VA 22546-1157
Document Number	1358400
Book / Page	001358 / 000400
Instrument Date	Nov 25, 2019
Instrument	4329
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	643 WELSH DR RUTHER GLEN VA 225461157, RUTHER GLEN, VA 22546-1157

Mortgage

Document Number	1358405
Date	Nov 27, 2019
Book Page	001358/000405
Instrument	4330

Lender

Name	ALCOVA MTG
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2049

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	$2,061.00 (-99.25%)	$355,400 (-) Land $50,000 Building $305,400
2025	$273,658.00	$355,400 Land $50,000 Building $305,400	$355,400 (-) Land $50,000 Building $305,400
2024			$355,400 Land $50,000 Building $305,400

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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