Caroline County property record for 709 Welsh Dr, Ruther Glen, VA 22546
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 868 sqft · built 2004 |
| Lot Size | 0.275 acres (11,999 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Dec 2025) |
| Tax Bill | $1,688 (2026) |
| Deeds & Mortgages | Jun 2024 Mortgage Dec 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51A6-1 B-374 |
| Primary APN | 51A6-1 B-374 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 868 sqft Living Area |
| Gross Area | 2,060 sqft |
| 1st Floor Area | 748 sqft |
| Basement Area | 748 sqft |
| Finished Basement | 280 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Split Foyer |
| Exterior Material | Metal |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,999 sqft (0.275 acres) |
| Terrain | Rolling |
| Garage Type | Built-in |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 12735 |
|---|---|
| Street Address | 709 WELSH DR |
| City | RUTHER GLEN |
| State | VA |
| Zip | 22546-1154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LAKE LAND OR LOT B374 |
| Legal Subdivision | LAKE LAND |
| Legal Lot Number | B374 |
| Jurisdiction | CAROLINE VA |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 30502 |
Source: Caroline County records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 709 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 1, 2025 | Deed, Transfer · VA Mortgage KIND LENDING LLC |
| May 11, 2020 | Deed, Transfer · FHA Mortgage FIRST HERITAGE MORTGAGE LLC |
| Aug 31, 2017 | Grant Deed, Transfer MCLEAN MTG |
| Jun 22, 2017 | Foreclosure CEDAR HOMES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2025 · Amount on Record |
| Deed Sale | Dec 1, 2025 · Amount on Record |
| Prior Sale | Aug 13, 2025 · Amount on Record |
| Deed Document Number | 20255144 |
| Prior Transfer Date | Aug 4, 2025 |
| Prior Transfer Doc | 0000003366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE VA |
| Property Address | 709 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0240002268 |
|---|---|
| Date | Jun 14, 2024 |
| Instrument | 240002268 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 475 Months |
| Due | Jan 1, 2064 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Dec 1, 2025 |
| Property Address | 709 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 0250005144 |
| Map Reference | MB 205 PG 396 |
| Instrument Date | Nov 29, 2025 |
| Instrument | 250005144 |
| Transaction Type | Transfer |
| Record Updated | Dec 25, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 709 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 0250005145 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 250005145 |
| Name | KIND LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | May 11, 2020 |
| Property Address | 709 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1377111 |
| Book / Page | 1377 / 111 |
| Map Reference | MB 205 PG 396 |
| Instrument Date | May 7, 2020 |
| Instrument | 201798 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Title Company | CARDINAL TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 709 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 201799 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 201799 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Aug 31, 2017 |
| Property Address | 709 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1283640 |
| Book / Page | 001283 / 000640 |
| Instrument Date | Aug 30, 2017 |
| Instrument | 4033 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2019 |
| Title Company | EKKO TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $204.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 709 WELSH DR RUTHER GLEN VA 225461154, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1283643 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 001283/000643 |
| Instrument | 4034 |
| Name | MCLEAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 30, 2047 |
| Document Number | 1283643, |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 001283/000643 |
| Instrument | 40354 |
| Name | MCLEAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | FAIRFAX, VA 22030 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 30, 2047 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Jun 22, 2017 |
| Property Address | 709 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1273102 |
| Book / Page | 001273 / 000102 |
| Instrument Date | Jun 6, 2017 |
| Instrument | 2854 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 15, 2021 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $118.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 751 FREDERICKSBURG VA 224040751, FREDERICKSBURG, VA 22404-0751 |
| Investor | Possibly a Property Investor |
| Document Number | 856139 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 856/139 |
| Instrument | 7391 |
| Name | CEDAR HOMES LLC |
|---|
| Amount | Amount Recorded |
|---|
| Document Number | 1273107, |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 001273/000107 |
| Instrument | 2855 |
| Name | ECKERT & TAYLOR LTD |
|---|---|
| Address | 4343 PLANK RD # 220, FREDERICKSBURG, VA 22407-4807 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $1,688.00 (-99.25%) | $291,000 (-) Land $50,000 Building $241,000 | |
| 2025 | $224,070.00 | $291,000 Land $50,000 Building $241,000 | $291,000 (-) Land $50,000 Building $241,000 |
| 2024 | $291,000 Land $50,000 Building $241,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 144 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 |
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