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  5. Welsh Dr

647 Welsh Dr, Ruther Glen, VA 22546 Property Records

Caroline County property record for 647 Welsh Dr, Ruther Glen, VA 22546

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,008 sqft · built 2002
Lot Size0.282 acres (12,299 sqft)
OwnerIndividual Name on Record
Last Sale$115,450 (Jun 2002)
Tax Bill$1,746 (2026)
Deeds & MortgagesAug 2026 Line of Credit
Oct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN51A6-1 B-498

Property Details

APN / Parcel Number

Primary APN51A6-1 B-498
Alternative APNs
  • 051A6 1 B 498
  • 16029

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,008 sqft Living Area
Gross Area2,151 sqft
1st Floor Area1,008 sqft
Basement Area1,008 sqft
Finished Basement504 sqft
FlooringLaminate Plank
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleSplit Foyer
Exterior MaterialVinyl
Foundation TypeConcrete
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area12,299 sqft (0.282 acres)
TerrainRolling
Shed1 Shed
Shed Area1 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Account Number16029
Street Address647 WELSH DR
CityRUTHER GLEN
StateVA
Zip22546-1157
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLAKE LAND OR LOT B498
Legal SubdivisionLAKE LAND
Legal Lot NumberB498
JurisdictionCAROLINE VA
Township / Civil DivisionMADISON
Census Block Group1
Census Block1011
Census Tract30502

Owner

Source: Caroline County records, as of September 1, 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 RecordIndividual Name on Record
Mailing Address647 WELSH DR, RUTHER GLEN, VA 22546-1157
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 11, 2026Deed of Trust, Mortgage · Line of Credit
FREEDOM MORTGAGE CORPORATION
Oct 26, 2020Deed of Trust, Mortgage · Conventional Mortgage
ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 24, 2002 · Amount on Record
Deed SaleJun 24, 2002 · Amount on Record
Prior SaleDec 7, 2001 · Amount on Record
Deed Book / Page591 / 424
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCAROLINE VA
Recording DateAug 11, 2026
Property Address647 WELSH DR, RUTHER GLEN, VA 22546-1157
Document Number0000003431
Instrument DateAug 4, 2026
Instrument20263431
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address647 WELSH DR, RUTHER GLEN, VA 22546-1157

Mortgage

Document Number0000003431,
DateAug 11, 2026
Instrument20263431
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Max Rate-1%

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCAROLINE VA
Property Address647 WELSH DR, RUTHER GLEN, VA 22546-1157
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1402361
DateOct 26, 2020
Book Page1402/361
Instrument200004763
Lender
NameZILLOW HOME LOANS LLC
TypeMortgage Company
AddressLEAWOOD, KS 66211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueSep 1, 2050

Tax Assessment & Valuation

Source: Caroline County assessment roll, as of June 5, 2026

Property Jurisdictions

TypeName
StateVirginia
CountyCaroline County
Unified School DistrictCaroline County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,746.00 (-99.25%)$301,000 Land $50,000 Building $251,000
2025$231,770.00$301,000 Land $50,000 Building $251,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemLAKE LAND`OR
private · serves 4,818 people · EPA ID VA6033450
Water SourceGroundwater
Last State InspectionAug 2024
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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