706 Duncan St, Ashland, VA 23005 Property Records

Hanover County property record for 706 Duncan St, Ashland, VA 23005

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,582 sqft · built 2003
Lot Size	0.971 acres (42,297 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (Feb 2003)
Tax Bill	$5,614 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2020 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`7779-58-8167`

Property Details

APN / Parcel Number

Primary APN	`7779-58-8167`
Alternative APN	`10183423`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,582 sqft Living Area
1st Floor Area	286 sqft
2nd Floor Area	2,296 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Other
Construction Type	Brick
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	42,297 sqft (0.971 acres)
Garage Type	Detached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10183423
Street Address	706 DUNCAN ST
City	ASHLAND
State	VA
Zip	23005-1948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	DUNCAN VILLAGE LOT 1
Legal Subdivision	DUNCAN VILLAGE
Legal Lot Number	1
Jurisdiction	HANOVER VA
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1061
Census Tract	320602

Owner

706 Duncan St is owned and occupied by an individual who acquired it in June 2019.

Source: Hanover County records, as of June 4, 2026

Owner of Record	Individual Name on File
Mailing Address	706 DUNCAN ST, ASHLAND, VA 23005-1948
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
Jan 5, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL CENTER LLC
Jul 2, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage CAPITAL CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2003 · Amount on File
Deed Sale	Feb 21, 2003 · Amount on File
Deed Document Number	2003814
Last Transfer Date	Jun 6, 2019
Transfer Doc	32271564
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	706 DUNCAN ST, ASHLAND, VA 23005-1948
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 DUNCAN ST, ASHLAND, VA 23005-1948

Mortgage

Document Number	0034342725
Date	Jan 5, 2026
Book Page	3434/2725
Instrument	20260105000000070

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	ASHLAND, VA 23005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANOVER VA
Property Address	706 DUNCAN ST, ASHLAND, VA 23005-1948
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032741852
Date	Sep 15, 2020
Book Page	3274/1852
Instrument	20200915000160300

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANOVER VA
Recording Date	Jul 2, 2019
Property Address	706 DUNCAN ST, ASHLAND, VA 23005-1948
Document Number	32271564
Book / Page	3227 / 1564
Instrument Date	Jun 6, 2019
Instrument	20190702000076400
Transaction Type	Transfer
Record Updated	Jun 11, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 DUNCAN ST, ASHLAND, VA 23005-1948

Mortgage

Document Number	32271567
Date	Jul 2, 2019
Book Page	3227/1567
Instrument	20190702000076410

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 706 Duncan St was $5,614, up 5.9% from the year before.

Source: Hanover County assessment roll, as of June 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,614.00 (+5.94%)	$693,200 (+5.95%) Land $171,200 Building $522,000	$693,200 (+5.95%) Land $171,200 Building $522,000
2025	$5,299.00	$654,300 Land $163,300 Building $491,000	$654,300 Land $163,300 Building $491,000

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

Flood

FEMA maps place 706 Duncan St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 29 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	29 in force
Nearby Flood Claims	3 (2003–2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2018 · other causes

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 706 Duncan 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HANOVER SUBURBAN WATER SYSTEM serves 57,931 people · EPA ID VA4085398
Water Source	Surface water
Last State Inspection	Jun 2025
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Glo Fiber.

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