Caroline County property record for 691 Welsh Dr, Ruther Glen, VA 22546
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,064 sqft · built 1994 |
| Lot Size | 0.308 acres (13,435 sqft) |
| Owner | Individual Name on File |
| Last Sale | $262,500 (Nov 2021) |
| Tax Bill | $1,967 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Nov 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51A6-1 B-383 |
| Primary APN | 51A6-1 B-383 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,064 sqft Living Area |
| Gross Area | 2,376 sqft |
| 1st Floor Area | 1,024 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,435 sqft (0.308 acres) |
| Terrain | Rolling |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 11693 |
|---|---|
| Street Address | 691 WELSH DR |
| City | RUTHER GLEN |
| State | VA |
| Zip | 22546-1156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE LAND OR LOT B383 |
| Legal Subdivision | LAKE LAND |
| Legal Lot Number | B383 |
| Jurisdiction | CAROLINE VA |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 30502 |
691 Welsh Dr is owned and occupied by an individual who bought it in November 2021.
Source: Caroline County records, as of August 18, 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 691 WELSH DR, RUTHER GLEN, VA 22546-1156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2021 | Deed, Transfer · USDA Mortgage TOWNE FIRST MORTGAGE LLC |
| Nov 18, 2020 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Aug 14, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on File |
| Deed Sale | Nov 24, 2021 · Amount on File |
| Prior Sale | Mar 9, 2007 · Amount on File |
| Deed Document Number | 20217273 |
| Deed Book / Page | 1474 / 540 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Nov 24, 2021 |
| Property Address | 691 WELSH DR, RUTHER GLEN, VA 22546-1156 |
| Document Number | 0001474540 |
| Book / Page | 1474 / 540 |
| Map Reference | MB 205 PG 382 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 210007273 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2022 |
| Title Company | MOBILITY TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $131.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 691 WEISH DRIVE, RUTHER GLEN, VA 22546-1156 |
| Document Number | 0210007274 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 210007274 |
| Name | TOWNE FIRST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CAROLINE VA |
| Property Address | 691 WELSH DR, RUTHER GLEN, VA 22546-1156 |
| Document Number | 1418695 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 691 WELSH DR RUTHER GLEN VA 225461156, RUTHER GLEN, VA 22546-1156 |
| Document Number | 1418695 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 001418/000695 |
| Instrument | 599 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 28, 2046 |
| Rate | 3.25% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CAROLINE VA |
| Property Address | 691 WELSH DR, RUTHER GLEN, VA 22546-1156 |
| Document Number | 1350399 |
| Instrument Date | Aug 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 5513 JOSHUA TREE CIR FREDERICKSBURG VA 224079343, FREDERICKSBURG, VA 22407-9343 |
| Document Number | 1350399 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 001350/000399 |
| Instrument | 3340 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Sep 22, 2047 |
The 2026 property tax bill for 691 Welsh Dr was $1,967, down 99.2% from the year before.
Source: Caroline County assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Caroline County |
| Unified School District | Caroline County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,967.00 (-99.25%) | $339,060 Land $50,000 Building $289,060 | |
| 2025 | $261,076.00 | $339,060 Land $50,000 Building $289,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 691 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 risk around 691 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 | 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.
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 |
| 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.
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 |
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