645 Rivergate Ter, West Point, VA 23181 Property Records

King William County property record for 645 Rivergate Ter, West Point, VA 23181

Property Summary

Property Type	Other Improved
Details	4 bd · 2.5 ba · 1,968 sqft · built 2022
Lot Size	0.37 acres (15,909 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Oct 2023)
Tax Bill	$1,091 (2026)
Deeds & Mortgages	Oct 2023 Sale Jun 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`10312-1`

Property Details

APN / Parcel Number

Primary APN	`10312-1`
Alternative APN	`63A5 6 9`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,968 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Roof Material	Composition Shingle
Lot Area	15,909 sqft (0.37 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10312-1
Street Address	645 RIVERGATE TER
City	WEST POINT
State	VA
Zip	23181-9717
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R-2
Legal Description	LOT 9 RIVERGATE SUBDIVISION
Legal Subdivision	RIVERGATE SUBDIVISION
Legal Lot Number	9
Jurisdiction	KING WILLIAM VA
Township / Civil Division	WEST POINT
Census Block Group	1
Census Block	1026
Census Tract	950300

Owner

Source: King William 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	645 RIVERGATE TER, WEST POINT, VA 23181-9717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Special Warranty Deed, Transfer NOT AVAILABLE, TOWNSGATE CLOSING SERVICES
Jun 8, 2022	Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2023 · Amount on Record
Deed Sale	Oct 18, 2023 · Amount on Record
Prior Sale	Jun 8, 2022 · Amount on Record
Deed Document Number	20232018
Record Updated	Sep 20, 2026

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KING WILLIAM VA
Recording Date	Oct 18, 2023
Property Address	645 RIVERGATE TER, WEST POINT, VA 23181-9717
Document Number	0230002018
Instrument Date	Oct 16, 2023
Instrument	230002018
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	NOT AVAILABLE, TOWNSGATE CLOSING SERVICES

Transaction

Amount	Amount Recorded
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	645 RIVERGATE TER, WEST POINT, VA 23181-9717

June 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KING WILLIAM VA
Recording Date	Jun 8, 2022
Property Address	645 RIVERGATE TER, WEST POINT, VA 23181-9717
Document Number	0220001584
Instrument Date	Jun 6, 2022
Instrument	220001584
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 12, 2024
Title Company	DHI TITLE AGENCY

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	645 RIVERGATE TER, WEST POINT, VA 23181-9717

Mortgage

Document Number	0220001585
Date	Jun 8, 2022
Instrument	220001585

Lender

Name	DHI MORTGAGE COMPANY LTD LP

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	79 Months
Due	Jan 19, 2029

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: King William County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	King William County
Municipality	West Point Town
Unified School District	West Point Town Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,091.00 (+1.39%)	$357,700 (+1.3%) Land $60,000 Building $297,700	$357,700 (+1.3%) Land $60,000 Building $297,700
2025	$1,076.00 (+12.91%)	$353,100 (-) Land $60,000 Building $293,100	$353,100 (-) Land $60,000 Building $293,100
2023	$953.00 (+807.62%)	$353,100 (+1,161.07%) Land $60,000 Building $293,100	$353,100 (+1,161.07%) Land $60,000 Building $293,100
2022	$105.00	$28,000 Land $28,000	$28,000 Land $28,000

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 November 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	13 (1996–2009)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Nov 2009 · river or lake flooding
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 2 claims Hurricane Isabel, Sep 2003 · 8 claims

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	0.02% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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