Rappahannock County property record for 81 Headwaters Rd, Chester Gap, VA 22623
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,872 sqft · built 1988 |
| Lot Size | 1.01 acres (44,083 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,900 (Jan 2019) |
| Tax Bill | $2,087 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1 52A |
| Primary APN | 1 52A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,872 sqft Total Area |
| 1st Floor Area | 1,872 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 44,083 sqft (1.01 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 288 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 5683 |
|---|---|
| Old Parcel Number | 0 1 52A |
| Street Address | 81 HEADWATERS RD |
| City | CHESTER GAP |
| State | VA |
| Zip | 22623-2015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.0124 ACS 2019 #100 1995 DB 213/809 1987 DB 165/86 & 90 |
| Legal Lot Number | 52A |
| Jurisdiction | RAPPAHANNOCK VA |
| Township / Civil Division | WAKEFIELD |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 950100 |
Source: Rappahannock County records, as of January 29, 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 Record |
|---|---|
| Mailing Address | 44 HEADWATERS RD, CHESTER GAP, VA 22623-2013 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jan 13, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jan 31, 2019 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2019 · Amount on Record |
| Deed Sale | Jan 31, 2019 · Amount on Record |
| Deed Document Number | 0002019100 |
| Deed Book / Page | 2019 / 100 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAPPAHANNOCK VA |
| Property Address | 81 HEADWATERS RD, CHESTER GAP, VA 22623-2015 |
| Document Number | 200000899 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 81 HEADWATERS RD CHESTER GAP VA 226232015, CHESTER GAP, VA 22623-2015 |
| Document Number | 200000899 |
|---|---|
| Date | Aug 24, 2020 |
| Instrument | 899 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 23, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | RAPPAHANNOCK VA |
| Property Address | 81 HEADWATERS RD, CHESTER GAP, VA 22623-2015 |
| Document Number | 200000073 |
| Instrument Date | Jan 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 81 HEADWATERS RD CHESTER GAP VA 226232015, CHESTER GAP, VA 22623-2015 |
| Document Number | 200000073 |
|---|---|
| Date | Jan 23, 2020 |
| Instrument | 73 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 22, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | RAPPAHANNOCK VA |
| Recording Date | Jan 31, 2019 |
| Property Address | 81 HEADWATERS RD, CHESTER GAP, VA 22623-2015 |
| Document Number | 190000100 |
| Instrument Date | Jan 28, 2019 |
| Instrument | 100 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2019 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $279.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 HEADWATERS RD CHESTER GAP VA 226232013, CHESTER GAP, VA 22623-2013 |
| Document Number | 190000101 |
|---|---|
| Date | Jan 31, 2019 |
| Instrument | 101 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: Rappahannock County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Virginia |
| County | Rappahannock County |
| Unified School District | Rappahannock County Public Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,087.00 (+3.27%) | $331,400 (-) Land $70,000 Building $261,400 | $331,400 (-) Land $70,000 Building $261,400 |
| 2023 | $2,021.00 | $331,400 Land $70,000 Building $261,400 | $331,400 Land $70,000 Building $261,400 |
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 May 1, 2025 · 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: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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