85 Windward Watch Ln, Saluda, VA 23149 Property Records

Middlesex County property record for 85 Windward Watch Ln, Saluda, VA 23149

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,135 sqft · built 2019
Lot Size	2.57 acres (111,949 sqft)
Owner	2 Individual Names on File
Last Sale	$287,000 (Aug 2019)
Tax Bill	$1,808 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`28 5 3A`

Property Details

APN / Parcel Number

Primary APN	`28 5 3A`
Alternative APN	`16614`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,135 sqft Living Area
Gross Area	5,140 sqft
1st Floor Area	1,875 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	111,949 sqft (2.57 acres)
Garage Area	519 sqft
Driveway	Concrete Driveway
Driveway Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	132 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	16614
Street Address	85 WINDWARD WATCH LN
City	SALUDA
State	VA
Zip	23149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	CHRISTCHURCH LOT 3A 2.5668 AC D9-791 SL17-10 D10-340 D13-1622 D13-1623 SL45-1 2 D18-2168 D19-1219
Legal Lot Number	3A
Jurisdiction	MIDDLESEX VA
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1001
Census Tract	951000

Owner

85 Windward Watch Ln is owned by two individuals who bought it in August 2019.

Source: Middlesex County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 225, TOPPING, VA 23169-0225
Owner Type	Individual
Vesting	Right of Survivorship

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

Date	Document
Aug 12, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING & TRUST COMPANY
Oct 9, 2018	Warranty Deed, Transfer LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on File
Deed Sale	Aug 12, 2019 · Amount on File
Prior Sale	Oct 9, 2018 · Amount on File
Deed Document Number	20191219
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Aug 12, 2019
Property Address	85 WINDWARD WATCH LN, SALUDA, VA 23149
Document Number	0190001219
Instrument Date	Jul 18, 2019
Instrument	190001219
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING SHOP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	PO BOX 225, TOPPING, VA 23169-0225

Mortgage

Document Number	0190001220
Date	Aug 12, 2019
Instrument	190001220

Lender

Name	BRANCH BANKING & TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2034

Interest

Rate Type	Fixed Rate
Rate	5.74%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Oct 9, 2018
Property Address	85 WINDWARD WATCH LN, SALUDA, VA 23149
Document Number	0180002168
Instrument Date	Oct 2, 2018
Instrument	180002168
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	LAWYERS TITLE/MIDDLE PENINSULA, LAWYERS TITLE/MID PENINSULA

Transaction

Amount	Amount on Record
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
Address	6 ROBANNA DR, SEAFORD, VA 23696

Tax Assessment & Valuation

The 2026 property tax bill for 85 Windward Watch Ln was $1,808.

Source: Middlesex County assessment roll, as of October 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,808.00	$296,400 (-) Land $44,800 Building $251,600	$296,400 (-) Land $44,800 Building $251,600
2025	$1,808.00	$296,400 Land $44,800 Building $251,600	$296,400 Land $44,800 Building $251,600
2023	$1,808.00	$296,400 Land $44,800 Building $251,600	$296,400 Land $44,800 Building $251,600

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

Flood

FEMA maps place 85 Windward Watch Ln in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective November 25, 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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	13 (2001–2011)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Tropical Depression Ernesto, Severe Storms And Flooding, Sep 2006 · 4 claims Hurricane Isabel, Sep 2003 · 6 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 85 Windward Watch Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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