702 S Main St, Chatham, VA 24531 Property Records

Pittsylvania County property record for 702 S Main St, Chatham, VA 24531

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,260 sqft · built 1909
Lot Size	3.65 acres (158,994 sqft)
Owner	2 Individual Names on File
Last Sale	$294,000 (Aug 2018)
Tax Bill	$2,517 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2425-06-7298`

Property Details

APN / Parcel Number

Primary APN	`2425-06-7298`
Alternative APN	`240796`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,260 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Metal
Lot Area	158,994 sqft (3.65 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	240796
Street Address	702 S MAIN ST
City	CHATHAM
State	VA
Zip	24531-3423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TZ
Legal Description	SOUTH MAIN ST LOT
Jurisdiction	PITTSYLVANIA VA
Township / Civil Division	BANISTER
Census Block Group	2
Census Block	2040
Census Tract	10500

Owner

702 S Main St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	702 S MAIN ST, CHATHAM, VA 24531-3423
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
Apr 1, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK AND TRUST COMPANY
Jun 5, 2020	Deed of Trust, Mortgage · VA Mortgage ALCOVA MORTGAGE LLC
Aug 23, 2018	Warranty Deed, Transfer · VA Mortgage AMERICAN NATIONAL BANK AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2018 · Amount on File
Deed Sale	Aug 23, 2018 · Amount on File
Prior Sale	Sep 16, 2009 · Amount on File
Deed Document Number	20183908
Transfer Doc	01300/1923
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PITTSYLVANIA VA
Property Address	702 S MAIN ST, CHATHAM, VA 24531-3423
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001846
Date	Apr 1, 2022
Instrument	220001846

Lender

Name	AMERICAN NATIONAL BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PITTSYLVANIA VA
Property Address	702 S MAIN ST, CHATHAM, VA 24531-3423
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	BELLA TITLE AND ESCROW INC, ALL VA TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002537
Date	Jun 5, 2020
Instrument	200002537

Lender

Name	ALCOVA MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PITTSYLVANIA VA
Recording Date	Aug 23, 2018
Property Address	702 S MAIN ST, CHATHAM, VA 24531-3423
Document Number	0180003908
Instrument Date	Aug 23, 2018
Instrument	180003908
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

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	702 S MAIN ST, CHATHAM, VA 24531-3423

Mortgage

Document Number	0180003909
Date	Aug 23, 2018
Instrument	180003909

Lender

Name	AMERICAN NATIONAL BANK AND TRUST CO

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 702 S Main St was $2,517, up % from the year before.

Source: Pittsylvania County assessment roll, as of July 9, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Pittsylvania County
Municipality	Chatham Town
Unified School District	Pittsylvania County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,517.00 (+0.04%)	$405,900 (-) Land $38,300 Building $367,600	$405,900 (-) Land $38,300 Building $367,600
2025	$2,516.00	$405,900 Land $38,300 Building $367,600	$405,900 Land $38,300 Building $367,600
2022		$274,300 Land $38,300 Building $236,000	$274,300 Land $38,300 Building $236,000

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

Flood

FEMA maps place 702 S Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 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	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 702 S Main St 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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% 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	TOWN OF CHATHAM serves 2,500 people · EPA ID VA5143114
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 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

May also be available: RiverStreet Networks.

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