897 River Rd, Elkton, VA 22827 Property Records

Rockingham County property record for 897 River Rd, Elkton, VA 22827

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,440 sqft · built 1937
Lot Size	6 acres (261,360 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Feb 2019)
Tax Bill	$2,652 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`114-(A)-L129`

Property Details

APN / Parcel Number

Primary APN	`114-(A)-L129`
Alternative APNs	`R26715` `26715`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,440 sqft Living Area
Gross Area	3,958 sqft
Basement Area	488 sqft
Finished Basement	488 sqft
Unfinished Basement	100 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	261,360 sqft (6 acres)
Garage Area	552 sqft
Driveway	Paver Driveway
Parking Spaces	2 Parking Spaces
Stable	900 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R26715
Street Address	897 RIVER RD
City	ELKTON
State	VA
Zip	22827-3095
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A1
Legal Description	ELKTON
Legal Subdivision	ELKTON
Jurisdiction	ROCKINGHAM VA
Township / Civil Division	STONEWALL
Census Block Group	1
Census Block	1017
Census Tract	10301

Owner

Source: Rockingham County records, as of June 8, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	897 RIVER RD, ELKTON, VA 22827-3095
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK
Feb 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARK VIEW FCU
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP
Mar 6, 2019	Deed of Trust, Mortgage · Line of Credit PARK VIEW FCU
Feb 12, 2019	Deed, Transfer · Conventional Mortgage PARK VIEW FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2019 · Amount on Record
Deed Sale	Feb 12, 2019 · Amount on Record
Deed Document Number	20193547
Deed Book / Page	5086 / 697
Prior Transfer Date	Oct 6, 2010
Prior Transfer Doc	3777/134
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	897 RIVER RD, ELKTON, VA 22827-3095
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	897 RIVER RD, ELKTON, VA 22827-3095

Mortgage

Document Number	005588/129
Date	Jun 14, 2022
Book Page	5588/129
Instrument	2022-14270

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	ELKTON, VA 22827

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 6, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	897 RIVER RD, ELKTON, VA 22827-3095
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MEMBERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5086/700
Date	Feb 12, 2019
Book Page	5086/700
Instrument	2019-03548

Lender

Name	PARK VIEW FCU
Type	Credit Union
Address	HARRISONBURG, VA 22802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	897 RIVER RD, ELKTON, VA 22827-3095
Transaction Type	Mortgage
Record Updated	Feb 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5208/656
Date	Jan 31, 2020
Book Page	5208/656
Instrument	2020-02888

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company
Address	WINCHESTER, VA 22602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM VA
Property Address	897 RIVER RD, ELKTON, VA 22827-3095
Transaction Type	Mortgage
Record Updated	Mar 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5093/581
Date	Mar 6, 2019
Book Page	5093/581
Instrument	2019-05849

Lender

Name	PARK VIEW FCU
Type	Credit Union
Address	HARRISONBURG, VA 22802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKINGHAM VA
Recording Date	Feb 12, 2019
Property Address	897 RIVER RD, ELKTON, VA 22827-3095
Document Number	5086/697
Book / Page	5086 / 697
Instrument Date	Jan 29, 2019
Instrument	2019-03547
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	MEMBERS TITLE LLC, MEMBERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	897 RIVER RD, ELKTON, VA 22827-3095

Mortgage

Document Number	201903548
Date	Feb 12, 2019
Instrument	2019-03548

Lender

Name	PARK VIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

Tax Assessment & Valuation

Source: Rockingham County assessment roll, as of June 8, 2026

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
2026	$2,652.00 (+6.94%)	$401,950 (+10.18%) Land $101,300 Building $300,650	$401,950 (+10.18%) Land $101,300 Building $300,650
2025	$2,480.00	$364,800 Land $67,500 Building $297,300
2022			$364,800 Land $67,500 Building $297,300

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2006–2025)
Most Recent Claim	Jul 2025 · river or lake flooding

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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