Caroline County property record for 715 Welsh Dr, Ruther Glen, VA 22546
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1996 |
| Lot Size | 0.323 acres (14,084 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $292,500 (Jun 2022) |
| Tax Bill | $1,837 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Mar 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 51A6-1 B-371 |
| Primary APN | 51A6-1 B-371 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Gross Area | 2,738 sqft |
| 1st Floor Area | 1,344 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,084 sqft (0.323 acres) |
| Terrain | Rolling |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 12734 |
|---|---|
| Street Address | 715 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 B-371 |
| Legal Subdivision | LAKE LAND |
| Legal Lot Number | B-371 |
| Jurisdiction | CAROLINE VA |
| Township / Civil Division | MADISON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 30502 |
Source: Caroline County records, as of August 18, 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 | 715 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2022 | Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 27, 2020 | Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE |
| Sep 27, 2019 | Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS |
| Sep 30, 2019 | Grant Deed, Transfer EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 13, 2022 · Amount on Record |
| Deed Sale | Jun 13, 2022 · Amount on Record |
| Prior Sale | Mar 27, 2020 · Amount on Record |
| Deed Document Number | 20222944 |
| Deed Book / Page | 1502 / 324 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Jun 13, 2022 |
| Property Address | 715 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 0001502324 |
| Book / Page | 1502 / 324 |
| Map Reference | MB 205 PG 382 |
| Instrument Date | Jun 8, 2022 |
| Instrument | 220002944 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2022 |
| Title Company | HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 715 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 0220002945 |
|---|---|
| Date | Jun 13, 2022 |
| Instrument | 220002945 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Mar 27, 2020 |
| Property Address | 715 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1372276 |
| Book / Page | 1372 / 276 |
| Map Reference | MB 205 PG 382 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 201242 |
| 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 | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 715 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 201243 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 201243 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE VA |
| Property Address | 715 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1351464 |
| Instrument Date | Sep 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2019 |
| Title Company | CARDINAL TITLE GROUP LLC, CARDINAL TITLE GRP LLC |
| Name | Verified Name |
|---|---|
| Address | 715 WELSH DR RUTHER GLEN VA 225461154, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1351464 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 001351/000464 |
| Instrument | 3466 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAROLINE VA |
| Recording Date | Sep 30, 2019 |
| Property Address | 715 WELSH DR, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1351461 |
| Book / Page | 001351 / 000461 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 3465 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2019 |
| Title Company | CARDINAL TITLE GROUP LLC, CARDINAL TITLE GRP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.75 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 715 WELSH DR RUTHER GLEN VA 225461154, RUTHER GLEN, VA 22546-1154 |
| Document Number | 1351464 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 001351/000464 |
| Instrument | 3466 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 29, 2049 |
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 | $1,837.00 (-99.25%) | $316,750 Land $50,000 Building $266,750 | |
| 2025 | $243,897.00 | $316,750 Land $50,000 Building $266,750 |
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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