8296 Lady Bug Rd, Bridgewater, VA 22812 Property Records

Rockingham County property record for 8296 Lady Bug Rd, Bridgewater, VA 22812

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,721 sqft · built 2013
Lot Size	75 acres (3,270,615 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Mar 2007)
Tax Bill	$4,709 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`120-(A)-L25`

Property Details

APN / Parcel Number

Primary APN	`120-(A)-L25`
Alternative APNs	`R11819` `11819`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,721 sqft Living Area
Gross Area	5,313 sqft
Basement Area	160 sqft
Finished Basement	160 sqft
Unfinished Basement	100 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	3,270,615 sqft (75 acres)
Garage Area	6,000 sqft
Driveway	Gravel Driveway
Shed	1 Shed
Shed Area	1,400 sqft
Stable	900 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R11819
Street Address	8296 LADY BUG RD
City	BRIDGEWATER
State	VA
Zip	22812-3123
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A1
Legal Description	THORNY BRANCH
Legal Subdivision	THORNY BRANCH
Jurisdiction	ROCKINGHAM VA
Township / Civil Division	ASHBY
Census Block Group	2
Census Block	2036
Census Tract	11200

Owner

8296 Lady Bug Rd, a rural home, is owned and occupied by two individuals who acquired it in April 2025.

Source: Rockingham County records, as of September 22, 2025

Owner of Record	2 Individual Names on File
Mailing Address	8296 LADY BUG RD, BRIDGEWATER, VA 22812-3123
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2007 · Amount on File
Deed Sale	Mar 21, 2007 · Amount on File
Deed Document Number	20079353
Deed Book / Page	3062 / 260
Last Transfer Date	Apr 17, 2025
Transfer Doc	005916/707
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	8296 LADY BUG RD, BRIDGEWATER, VA 22812-3123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8296 LADY BUG RD, BRIDGEWATER, VA 22812-3123

Mortgage

Document Number	5216/748
Date	Feb 28, 2020
Book Page	5216/748
Instrument	2020-05066

Lender

Name	FARM CREDIT OF THE VIRGINIAS ACA
Type	Funding / Finance Company
Address	HARRISONBURG, VA 22801

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 8296 Lady Bug Rd was $4,709.

Source: Rockingham County assessment roll, as of September 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,709.00	$692,580 Land $110,280 Building $582,300
2022			$692,580 Land $110,280 Building $582,300

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

Flood

FEMA maps place 8296 Lady Bug Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective April 13, 2024 · 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
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	6 (1985–1996)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 5 claims

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 8296 Lady Bug Rd is low, with a 0.04% 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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lady Bug Rd

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