678 Welsh Dr, Ruther Glen, VA 22546 Property Records

Caroline County property record for 678 Welsh Dr, Ruther Glen, VA 22546

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,210 sqft · built 2003
Lot Size	0.498 acres (21,689 sqft)
Owner	Individual Name on File
Last Sale	$160,670 (Sep 2003)
Tax Bill	$1,827 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51A6-1 B-458`

Property Details

APN / Parcel Number

Primary APN	`51A6-1 B-458`
Alternative APNs	`051A6 1 B 458` `18302`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,210 sqft Living Area
Gross Area	2,977 sqft
1st Floor Area	1,210 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,689 sqft (0.498 acres)
Terrain	Rolling
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	18302
Street Address	678 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 B458
Legal Subdivision	LAKE LAND
Legal Lot Number	B458
Jurisdiction	CAROLINE VA
Township / Civil Division	MADISON
Census Block Group	1
Census Block	1015
Census Tract	30502

Owner

678 Welsh Dr is owned and occupied by an individual who acquired it in March 2021.

Source: Caroline County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	678 WELSH DR, RUTHER GLEN, VA 22546-1162
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 17, 2021	Transfer on Death Deed, Transfer
Jun 20, 2017	Grant Deed, Transfer · Conventional Mortgage GEORGE MASON MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2003 · Amount on File
Deed Sale	Sep 17, 2003 · Amount on File
Deed Book / Page	648 / 574
Last Transfer Date	Mar 10, 2021
Transfer Doc	0000001592
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE VA
Property Address	678 WELSH DR, RUTHER GLEN, VA 22546-1162
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001473857
Date	Nov 19, 2021
Book Page	1473/857
Instrument	210007181

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

March 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CAROLINE VA
Recording Date	Mar 17, 2021
Property Address	678 WELSH DR, RUTHER GLEN, VA 22546-1162
Document Number	1427259
Book / Page	1427 / 259
Map Reference	MB 620 PG 317
Instrument Date	Mar 10, 2021
Instrument	210001592
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 WELSH DR, RUTHER GLEN, VA 22546-1162

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE VA
Recording Date	Jun 20, 2017
Property Address	678 WELSH DR, RUTHER GLEN, VA 22546-1162
Document Number	1272833
Book / Page	001272 / 000833
Instrument Date	Jun 12, 2017
Instrument	2820
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	MBH SETTLEMENT GROUP LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169.95
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 WELSH DR RUTHER GLEN VA 225461162, RUTHER GLEN, VA 22546-1162

Mortgage

Document Number	1272837
Date	Jun 20, 2017
Book Page	001272/000837
Instrument	2821

Lender

Name	GEORGE MASON MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 678 Welsh Dr was $1,827, down 99.2% from the year before.

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	$1,827.00 (-99.25%)	$315,000 Land $55,000 Building $260,000
2025	$242,550.00		$315,000 Land $55,000 Building $260,000

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

Flood

FEMA maps place 678 Welsh Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 678 Welsh Dr is low, with a 0.01% annual chance of 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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