773 River Ridge Dr, Middletown, VA 22645 Property Records

Warren County property record for 773 River Ridge Dr, Middletown, VA 22645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 1996
Lot Size	7 acres (305,225 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Jul 2026)
Tax Bill	$3,290 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11E-15A`

Property Details

APN / Parcel Number

Primary APN	`11E-15A`
Alternative APN	`30143`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
Gross Area	4,202 sqft
1st Floor Area	2,016 sqft
Basement Area	2,016 sqft
Unfinished Basement	2,016 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	305,225 sqft (7 acres)
Terrain	Wooded
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	30143
Street Address	773 RIVER RIDGE DR
City	MIDDLETOWN
State	VA
Zip	22645-3961
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	L15A RIVER RIDGE ON THE SHENANDOAH PHASE 2 & BDY ADJ W/L 13,14,16 & BDY ADJ LR15-1672
Legal Subdivision	RIVER RIDGE ON THE SHENANDOAH
Legal Phase	2
Legal Lot Number	13-16
Jurisdiction	WARREN VA
Township / Civil Division	NORTH RIVER
Census Block Group	2
Census Block	2086
Census Tract	20200

Owner

Source: Warren County records · APN 11E-15A

Assessment roll updated April 20, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	773 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3961
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Jan 07, 2022	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 03, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Apr 28, 2016 · Amount on Record
Deed Document Number	20263876
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN VA
Recording Date	Jul 31, 2026
Property Address	773 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3961
Document Number	0000003876
Instrument Date	Jul 30, 2026
Instrument	20263876
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$46,460.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	773 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3961

Mortgage

Document Number	0000003877,
Date	Jul 31, 2026
Instrument	20263877

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	773 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3961
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	QUALITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000132
Date	Jan 07, 2022
Instrument	220000132

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN VA
Property Address	773 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3961
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	QUALITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000552
Date	Jan 20, 2021
Instrument	210000552

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN VA
Recording Date	Feb 03, 2017
Property Address	773 RIVER RIDGE DR, MIDDLETOWN, VA 22645-3961
Document Number	0170000641
Instrument Date	Jan 26, 2017
Instrument	170000641
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount Recorded
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

Tax Assessment & Valuation

Source: Warren County records · Assessment roll updated April 20, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,290.00 (+18.82%)	$578,200 (-) Land $138,200 Building $440,000
2025	$2,769.00 (+22.36%)	$578,200 (+25.15%) Land $138,200 Building $440,000	$578,200 (+25.15%) Land $138,200 Building $440,000
2024	$2,263.00	$462,000 (-) Land $102,600 Building $359,400	$462,000 (-) Land $102,600 Building $359,400
2023		$462,000 Land $102,600 Building $359,400	$462,000 Land $102,600 Building $359,400
2022	$2,263.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 3, 2008 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Based on FCC filings for 10 locations within half a mile of this property.

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