98 Locust St, Ridgeway, VA 24148 Property Records

Henry County property record for 98 Locust St, Ridgeway, VA 24148

Property Summary

Property Type	Single Family Home
Details	1 ba · 927 sqft · built 1948
Owner	Company Name on Record
Last Sale	$365,000 (Oct 2024)
Tax Bill	$183 (2025)
Deeds & Mortgages	Oct 2024 Sale & Line of Credit Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`093750002`

Property Details

APN / Parcel Number

Primary APN	`093750002`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	927 sqft Living Area

Exterior

Year Built	Built 1948

Location & Zoning

Street Address	98 LOCUST ST
City	RIDGEWAY
State	VA
Zip	24148-3504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	MASON HGTS LOT 23
Legal Subdivision	MASON HGT
Legal Lot Number	23
Jurisdiction	HENRY VA
Township / Civil Division	RIDGEWAY
Census Block Group	2
Census Block	2012
Census Tract	10602

Owner

Source: Henry County records, as of October 8, 2025

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

Owner of Record	Company Name on Record
Mailing Address	892 J B DALTON RD, RIDGEWAY, VA 24148-3247
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2024	Warranty Deed, Transfer · Line of Credit CARTER BANK & TRUST
Jan 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN NATIONAL BANK AND TRUST COMPANY
Aug 29, 2018	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 23, 2018	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2024 · Amount on Record
Deed Sale	Oct 24, 2024 · Amount on Record
Prior Sale	Aug 29, 2018 · Amount on Record
Deed Document Number	240003918
Record Updated	Jun 8, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY VA
Recording Date	Oct 24, 2024
Property Address	98 LOCUST ST, RIDGEWAY, VA 24148-3504
Document Number	0240003918
Instrument Date	Oct 23, 2024
Instrument	240003918
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	VIRGINIA TITLE CENTER LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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
Address	892 J B DALTON RD, RIDGEWAY, VA 24148-3247

Mortgage

Document Number	0240003919
Date	Oct 24, 2024
Instrument	240003919

Lender

Name	CARTER BANK & TRUST

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 23, 2034

Interest

Rate Type	Adjustable Rate
Rate	7.5%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY VA
Property Address	98 LOCUST ST, RIDGEWAY, VA 24148-3504
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	190000257
Date	Jan 24, 2019
Instrument	190000257

Lender

Name	AMERICAN NATIONAL BANK AND TRUST COMPANY

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY VA
Recording Date	Aug 29, 2018
Property Address	98 LOCUST ST, RIDGEWAY, VA 24148-3504
Document Number	180003000
Instrument Date	Aug 29, 2018
Instrument	180003000
Transaction Type	Transfer
Record Updated	Oct 21, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	892 J B DALTON RD, RIDGEWAY, VA 24148-3247

July 2018: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	HENRY VA
Recording Date	Jul 23, 2018
Property Address	98 LOCUST ST, RIDGEWAY, VA 24148-3504
Document Number	180002610
Instrument Date	Jul 3, 2018
Instrument	180002610
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$183.00	$33,100 (-) Land $6,500 Building $26,600
2023	$183.00	$33,100 Land $6,500 Building $26,600	$33,100 (-) Land $6,500 Building $26,600
2021			$33,100 Land $6,500 Building $26,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	UPPER SMITH RIVER WATER SUPPLY serves 29,721 people · EPA ID VA5089852
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

May also be available: T-Mobile, Verizon.

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