664 Welsh Dr, Ruther Glen, VA 22546 Property Records

Caroline County property record for 664 Welsh Dr, Ruther Glen, VA 22546

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,876 sqft · built 2005
Lot Size	0.276 acres (12,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,750 (Mar 2019)
Tax Bill	$2,470 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`51A6-1 B-447`

Property Details

APN / Parcel Number

Primary APN	`51A6-1 B-447`
Alternative APNs	`051A6 1 B 447` `12766`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,876 sqft Living Area
Gross Area	3,845 sqft
1st Floor Area	928 sqft
Basement Area	928 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,001 sqft (0.276 acres)
Terrain	Rolling
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12766
Street Address	664 WELSH DR
City	RUTHER GLEN
State	VA
Zip	22546-1162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE LAND OR LOT B447
Legal Subdivision	LAKE LAND
Legal Lot Number	B447
Jurisdiction	CAROLINE VA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1015
Census Tract	30502

Owner

Source: Caroline 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	2 Individual Names on Record
Mailing Address	664 WELSH DR, RUTHER GLEN, VA 22546-1162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Commercial Mortgage HOMETAP EQUITY PARTNERS LLC
Mar 15, 2019	Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2019 · Amount on Record
Deed Sale	Mar 15, 2019 · Amount on Record
Prior Sale	May 13, 2010 · Amount on Record
Deed Document Number	2019832
Deed Book / Page	1333 / 153
Prior Transfer Date	Jun 30, 2009
Prior Transfer Doc	1001063
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	664 WELSH DR, RUTHER GLEN, VA 22546-1162
Transaction Type	Mortgage
Record Updated	Feb 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 WELSH DR, RUTHER GLEN, VA 22546-1162

Mortgage

Document Number	0240000338
Date	Jan 31, 2024
Instrument	240000338

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02116

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE VA
Recording Date	Mar 15, 2019
Property Address	664 WELSH DR, RUTHER GLEN, VA 22546-1162
Document Number	1333153
Book / Page	1333 / 153
Map Reference	DD 205 PG 382
Instrument Date	Mar 13, 2019
Instrument	190832
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	664 WELSH DR, RUTHER GLEN, VA 22546-1162

Mortgage

Document Number	190833
Date	Mar 15, 2019
Instrument	190833

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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	$2,470.00 (-99.25%)	$425,800 (-) Land $50,000 Building $375,800
2025	$327,866.00 (+15,135.41%)	$425,800 (+52.34%) Land $50,000 Building $375,800	$425,800 (-) Land $50,000 Building $375,800
2024			$425,800 (+52.34%) Land $50,000 Building $375,800
2023	$2,152.00	$279,500 Land $46,000 Building $233,500
2022			$279,500 Land $46,000 Building $233,500

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	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	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

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