95 Waterfront Dr, Raphine, VA 24472 Property Records

Rockbridge County property record for 95 Waterfront Dr, Raphine, VA 24472 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,530 sqft · built 2024
Lot Size	0.515 acres (22,433 sqft)
Owner	2 Individual Names on File
Last Sale	$48,000 (Apr 2022)
Tax Bill	$320 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28 9 13`

Property Details

APN / Parcel Number

Primary APN	`28 9 13`
Alternative APN	`18868`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,530 sqft Living Area
Gross Area	3,620 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Vinyl
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,433 sqft (0.515 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	18868
Street Address	95 WATERFRONT DR
City	RAPHINE
State	VA
Zip	24472-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW LAKE PHASE 1 LOT 13
Legal Subdivision	WILLOW LAKE SUBDIVISION
Legal Phase	1
Legal Lot Number	13
Jurisdiction	ROCKBRIDGE VA
Township / Civil Division	SOUTH RIVER
Census Block Group	3
Census Block	3064
Census Tract	930102

Owner

Source: Rockbridge County records · APN 28 9 13

Assessment roll updated December 11, 2025 · Last verified June 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 File
Mailing Address	95 WATERFRONT DR, RAPHINE, VA 24472-2552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 04, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BK
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK
Apr 28, 2022	Deed, Transfer · Line of Credit CORNERSTONE BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 28, 2022 · Amount on Record
Deed Sale	Apr 28, 2022 · Amount on Record
Deed Document Number	20221388
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Recording Date	Jun 04, 2026
Property Address	95 WATERFRONT DR, RAPHINE, VA 24472-2552
Document Number	0000001446
Book / Page	63
Instrument Date	May 22, 2026
Instrument	20261446
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 WATERFRONT DR, RAPHINE, VA 24472-2552

Mortgage

Document Number	0000001446,
Date	Jun 04, 2026
Book Page	63/63
Instrument	20261446

Lender

Name	ATLANTIC UNION BK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2056

Interest

Rate	6.23%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	95 WATERFRONT DR, RAPHINE, VA 24472-2552
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 WATERFRONT DR, RAPHINE, VA 24472-2552

Mortgage

Document Number	0250002455
Date	Oct 20, 2025
Instrument	250002455

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	RESTON, VA 20191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Apr 28, 2022
Property Address	95 WATERFRONT DR, RAPHINE, VA 24472-2552
Document Number	0220001388
Map Reference	CAB 4 SL152,152A&15B
Instrument Date	Apr 18, 2022
Instrument	220001388
Transaction Type	Transfer
Record Updated	Dec 11, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$24.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2474 PINE AVE, BUENA VISTA, VA 24416-1826

Mortgage

Document Number	0220001389
Date	Apr 28, 2022
Instrument	220001389

Lender

Name	CORNERSTONE BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Rockbridge County records · Assessment roll updated December 11, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$320.00	$450,100 (+800.2%) Land $50,000 Building $400,100	$450,100 (-) Land $50,000 Building $400,100
2023		$50,000 Land $50,000	$450,100 Land $50,000 Building $400,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rockbridge County (51163C), updated August 7, 2006 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511639301023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 77% of Virginia
Wildfire Likelihood	About 1 in 1,124 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
BARC Electric Cooperative	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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