65 River's Edge Ln, Saluda, VA 23149 Property Records

Middlesex County property record for 65 River's Edge Ln, Saluda, VA 23149

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,782 sqft · built 1940
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jul 2018)
Tax Bill	$2,730 (2026)
Deeds & Mortgages	Jul 2021 Refinance Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`28 4`

Property Details

APN / Parcel Number

Primary APN	`28 4`
Alternative APN	`5764`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,782 sqft Living Area
Gross Area	2,718 sqft
1st Floor Area	1,140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1982
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	32 sqft
Deck Area	12 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5764
Street Address	65 RIVERS EDGE LN
City	SALUDA
State	VA
Zip	23149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	PART OF HOG HOUSE LOT .40 AC WB30-106 141-380 159-208 D13-1781 D14-1463 D18-1675 D21-1788
Jurisdiction	MIDDLESEX VA
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1001
Census Tract	951000

Owner

65 River's Edge Ln is owned by two individuals who acquired it in June 2021.

Source: Middlesex County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	204 HOWARD ST, ASHLAND, VA 23005-1921
Owner Type	Individual
Vesting	Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Jul 12, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance EMBRACE HOME LOANS INC
Jul 13, 2018	Special Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on File
Deed Sale	Jul 13, 2018 · Amount on File
Prior Sale	Sep 9, 2014
Deed Document Number	20181675
Last Transfer Date	Jun 24, 2021
Transfer Doc	0000001788
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	65 RIVERS EDGE LN, SALUDA, VA 23149
Transaction Type	Mortgage
Record Updated	Oct 3, 2023
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001789
Date	Jul 12, 2021
Instrument	210001789

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Property Address	65 RIVERS EDGE LN, SALUDA, VA 23149
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001095
Date	Jul 26, 2019
Instrument	190001095

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIDDLESEX VA
Recording Date	Jul 12, 2021
Property Address	65 RIVERS EDGE LN, SALUDA, VA 23149
Document Number	210001788
Instrument Date	Jun 24, 2021
Instrument	210001788
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 HOWARD ST, ASHLAND, VA 23005-1921

Mortgage

Document Number	0210001789
Date	Jul 12, 2021
Instrument	210001789

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Jul 13, 2018
Property Address	65 RIVERS EDGE LN, SALUDA, VA 23149
Document Number	180001675
Instrument Date	Jul 2, 2018
Instrument	180001675
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE MID PENINSULA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	204 HOWARD ST, ASHLAND, VA 23005-1921

Mortgage

Document Number	180001676
Date	Jul 13, 2018
Instrument	180001676

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 65 River's Edge Ln was $2,730.

Source: Middlesex County assessment roll, as of October 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,730.00	$447,700 (-) Land $212,000 Building $235,700	$447,700 (-) Land $212,000 Building $235,700
2025	$2,730.00	$447,700 Land $212,000 Building $235,700	$447,700 Land $212,000 Building $235,700
2023	$2,730.00	$447,700 Land $212,000 Building $235,700	$447,700 Land $212,000 Building $235,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 65 River's Edge Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	13 (2001–2011)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 4 claims Hurricane Isabel, Sep 2003 · 6 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

Wildfire risk around 65 River's Edge Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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