89 Waterfall Rd, Chester Gap, VA 22623 Property Records

Rappahannock County property record for 89 Waterfall Rd, Chester Gap, VA 22623

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 707 sqft · built 1941
Lot Size	1.85 acres (80,717 sqft)
Owner	Individual Name on File
Last Sale	$53,500 (Apr 2020)
Tax Bill	$635 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0 1 63`

Property Details

APN / Parcel Number

Primary APN	`0 1 63`
Alternative APNs	`1 63` `97`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	707 sqft Total Area
1st Floor Area	777 sqft
Basement Area	354 sqft
Finished Basement	354 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	80,717 sqft (1.85 acres)
Terrain	Rolling
Deck Area	368 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	97
Old Parcel Number	0 1 63
Street Address	89 WATERFALL RD
City	CHESTER GAP
State	VA
Zip	22623-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.853 ACS 2020 #332 2003 #2441 2007 #144 1997 DB 223/862
Jurisdiction	RAPPAHANNOCK VA
Township / Civil Division	WAKEFIELD
Census Block Group	1
Census Block	1005
Census Tract	950100

Owner

89 Waterfall Rd is owned by an individual who bought it in April 2020.

Source: Rappahannock County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	137 SHERANDO CIR, STEPHENS CITY, VA 22655-4003
Owner Type	Individual

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
Jun 30, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Apr 3, 2020	Warranty Deed, Transfer PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2020 · Amount on File
Deed Sale	Apr 3, 2020 · Amount on File
Prior Sale	Jan 25, 2007
Deed Document Number	0002020332
Deed Book / Page	2020 / 332
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAPPAHANNOCK VA
Property Address	89 WATERFALL RD, CHESTER GAP, VA 22623-2031
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35385 REGER RD, SOLDOTNA, AK 99669-8648

Mortgage

Document Number	0000000494
Date	Jun 30, 2025
Instrument	250000494

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jul 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAPPAHANNOCK VA
Property Address	89 WATERFALL RD, CHESTER GAP, VA 22623-2031
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	UNKNOWN, SERVICE TITLE OF FRONT ROYAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000223
Date	Mar 29, 2023
Instrument	230000223

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Apr 3, 2020
Property Address	89 WATERFALL RD, CHESTER GAP, VA 22623-2031
Document Number	200000332
Instrument Date	Apr 2, 2020
Instrument	332
Transaction Type	Transfer
Record Updated	May 5, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 SHERANDO CIR STEPHENS CITY VA 226554003, STEPHENS CITY, VA 22655-4003

Mortgage

Document Number	200000333
Date	Apr 3, 2020
Instrument	333

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party

Agreement

Amount	Amount on Record
Term	60 Months
Due	Apr 2, 2025

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 89 Waterfall Rd was $635.

Source: Rappahannock County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	Rappahannock County
Unified School District	Rappahannock County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$635.00	$100,900 Land $24,300 Building $76,600	$100,900 Land $24,300 Building $76,600
2023	$202.00	$90,000 Land $24,300 Building $65,700	$90,000 Land $24,300 Building $65,700

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

Flood

FEMA maps place 89 Waterfall Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 89 Waterfall Rd is low, with a 0.02% 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	0.02% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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