649 Windward Passage Rd, Bracey, VA 23919 Property Records

Mecklenburg County property record for 649 Windward Passage Rd, Bracey, VA 23919

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,282 sqft · built 2004
Lot Size	0.569 acres (24,829 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,427 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`203C00-02-043`

Property Details

APN / Parcel Number

Primary APN	`203C00-02-043`
Alternative APNs	`203C00_02_00_043` `R027400`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	3,282 sqft Heated Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.569 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	R027400
Street Address	649 WINDWARD PASSAGE RD
City	BRACEY
State	VA
Zip	23919-2041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 43 - ANCHOR COVE
Legal Lot Number	43
Jurisdiction	MECKLENBURG VA
Township / Civil Division	3
Census Block Group	1
Census Block	1026
Census Tract	930103

Owner

Source: Mecklenburg County records, as of January 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	649 WINDWARD PASSAGE RD, BRACEY, VA 23919-2041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2002
Deed Sale	May 24, 2002
Deed Document Number	0000023256
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG VA
Property Address	649 WINDWARD PASSAGE RD, BRACEY, VA 23919-2041
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002479
Date	Jul 14, 2020
Instrument	200002479

Lender

Name	QUICKEN LOANS LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Mecklenburg County
Unified School District	Mecklenburg County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,427.00 (+9.97%)	$674,200 (+22.16%) Land $160,000 Building $514,200	$674,200 (+22.16%) Land $160,000 Building $514,200
2023	$2,207.00	$551,900 (-) Land $160,000 Building $391,900	$551,900 (-) Land $160,000 Building $391,900
2022	$2,207.00	$551,900 Land $160,000 Building $391,900	$551,900 Land $160,000 Building $391,900

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 May 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	FOXLAND COVE private · serves 473 people · EPA ID VA5117831
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	4 ppb (2024–2026) 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Empower Broadband Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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