698 Lower River Rd, Toms Brook, VA 22660 Property Records

Shenandoah County property record for 698 Lower River Rd, Toms Brook, VA 22660

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,955 sqft · built 2019
Lot Size	3 acres (130,724 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Sep 2013)
Tax Bill	$2,430 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035-02-035`

Property Details

APN / Parcel Number

Primary APN	`035-02-035`
Alternative APN	`19843`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,955 sqft Living Area
1st Floor Area	1,955 sqft
Basement Area	1,955 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,724 sqft (3 acres)
Garage Area	632 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	526 sqft
Patio Area	363 sqft
Lean-To	40 sqft
Storage Building	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	19843
Street Address	698 LOWER RIVER RD
City	TOMS BROOK
State	VA
Zip	22660-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 35 SEC 1 RIVER OF THEVALLEY
Legal Subdivision	RIVER OF THE VALLEY
Legal Lot Number	35
Jurisdiction	SHENANDOAH VA
Township / Civil Division	5
Census Block Group	1
Census Block	1014
Census Tract	40300

Owner

698 Lower River Rd is owned and occupied by an individual who bought it in September 2013.

Source: Shenandoah County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	698 LOWER RIVER RD, TOMS BROOK, VA 22660-2138
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
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage VBS MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2013 · Amount on File
Deed Sale	Sep 19, 2013 · Amount on File
Deed Document Number	20136248
Deed Book / Page	1622 / 114
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHENANDOAH VA
Property Address	698 LOWER RIVER RD, TOMS BROOK, VA 22660-2138
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202105740
Date	Jul 19, 2021
Instrument	202105740

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHENANDOAH VA
Property Address	698 LOWER RIVER RD, TOMS BROOK, VA 22660-2138
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190006599
Date	Dec 13, 2019
Instrument	190006599

Lender

Name	VBS MORTGAGE LLC
Type	Mortgage Company
Address	HARRISONBURG, VA 22801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 698 Lower River Rd was $2,430.

Source: Shenandoah County assessment roll, as of July 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,430.00	$506,360 Land $90,200 Building $416,160	$506,360 Land $90,200 Building $416,160
2023	$2,508.00	$418,000 Land $73,000 Building $345,000	$418,000 Land $73,000 Building $345,000

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

Flood

FEMA maps place 698 Lower River Rd in Zone X, an area of minimal flood risk, though there have been 34 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective May 22, 2016 · 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	7 in force
Nearby Flood Claims	34 (1985–1996)
Claims Outside the SFHA	11 of 34
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 12 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 13 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 698 Lower River Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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