645 Welsh Dr, Ruther Glen, VA 22546 Property Records

Caroline County property record for 645 Welsh Dr, Ruther Glen, VA 22546

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,576 sqft · built 2019
Lot Size	0.275 acres (11,999 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jul 2020)
Tax Bill	$2,050 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51A6-1 B-499`

Property Details

APN / Parcel Number

Primary APN	`51A6-1 B-499`
Alternative APNs	`051A6 1 B 499` `4990`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,576 sqft Living Area
Gross Area	3,352 sqft
1st Floor Area	1,576 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,999 sqft (0.275 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4990
Street Address	645 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 B499
Legal Subdivision	LAKE LAND
Legal Lot Number	B499
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	645 WELSH DR, RUTHER GLEN, VA 22546-1157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 8, 2020	Deed, Subdivision Related Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Oct 7, 2019	Grant Deed, Transfer TERRY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2020 · Amount on Record
Deed Sale	Jul 8, 2020 · Amount on Record
Prior Sale	Oct 7, 2019 · Amount on Record
Deed Document Number	20202796
Deed Book / Page	1385 / 506
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	645 WELSH DR, RUTHER GLEN, VA 22546-1157
Transaction Type	Mortgage
Record Updated	Oct 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	142331
Date	Feb 24, 2021
Book Page	1423/31
Instrument	210001113

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Aug 1, 2050

July 2020: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CAROLINE VA
Recording Date	Jul 8, 2020
Property Address	645 WELSH DR, RUTHER GLEN, VA 22546-1157
Document Number	1385506
Book / Page	1385 / 506
Map Reference	MB 205 PG 382
Instrument Date	Jul 7, 2020
Instrument	200002796
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 8, 2021
Title Company	COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
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 WELSH DR, RUTHER GLEN, VA 22546-1157

Mortgage

Document Number	200002797
Date	Jul 8, 2020
Instrument	200002797

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE VA
Recording Date	Oct 7, 2019
Property Address	645 WELSH DR, RUTHER GLEN, VA 22546-1157
Document Number	1352312
Book / Page	001352 / 000312
Instrument Date	Oct 4, 2019
Instrument	3573
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	TERRY TITLE

Transaction

Amount	Amount Recorded
Tax	$12.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8515 FOUNDRY RUN DR FREDERICKSBURG VA 224081731, FREDERICKSBURG, VA 22408-1731

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	$2,050.00 (-99.25%)	$353,500 Land $50,000 Building $303,500
2025	$272,195.00		$353,500 Land $50,000 Building $303,500

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

Nearby Properties on Welsh Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures