99 River's Edge Ln, Saluda, VA 23149 Property Records

Middlesex County property record for 99 River's Edge Ln, Saluda, VA 23149

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,568 sqft · built 1953
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$449,000 (Jun 2017)
Tax Bill	$3,226 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28D 1 1`

Property Details

APN / Parcel Number

Primary APN	`28D 1 1`
Alternative APN	`7170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,568 sqft Living Area
Gross Area	4,095 sqft
1st Floor Area	1,990 sqft
Flooring	Cork
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1973
Exterior Material	Stone
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	29,185 sqft (0.67 acres)
Garage Area	1,328 sqft
Driveway	Paver Driveway
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	379 sqft
Deck Area	32 sqft
Boat House	392 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7170
Street Address	99 RIVERS EDGE LN
City	SALUDA
State	VA
Zip	23149-2569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	HOG HOUSE .67 AC LOT 1 D162-586 P6-6 D167-273 D332-430 D17-971
Legal Lot Number	1
Jurisdiction	MIDDLESEX VA
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1001
Census Tract	951000

Owner

99 River's Edge Ln is owned by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	12303 SHADY LAKE PL, HENRICO, VA 23233-3363
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
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jun 23, 2017	Warranty Deed, Transfer · Conventional Mortgage C & F MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2017 · Amount on File
Deed Sale	Jun 23, 2017 · Amount on File
Deed Document Number	2017971
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLESEX VA
Recording Date	Sep 8, 2026
Property Address	99 RIVERS EDGE LN, SALUDA, VA 23149-2569
Document Number	0000001560
Instrument Date	Aug 14, 2026
Instrument	20261560
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 RIVERS EDGE LN, SALUDA, VA 23149-2569

Mortgage

Document Number	0000001560,
Date	Sep 8, 2026
Instrument	20261560

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLESEX VA
Recording Date	Jun 23, 2017
Property Address	99 RIVERS EDGE LN, SALUDA, VA 23149-2569
Document Number	170000971
Instrument Date	Jun 16, 2017
Instrument	170000971
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

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	12303 SHADY LANE PLACE, HENRICO, VA 23233-3363

Mortgage

Document Number	170000972
Date	Jun 23, 2017
Instrument	170000972

Lender

Name	C & F MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 99 River's Edge Ln was $3,226, down 2.3% from the year before.

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	$3,226.00 (-2.27%)	$528,900 (-) Land $262,000 Building $266,900	$528,900 (-) Land $262,000 Building $266,900
2025	$3,301.00	$528,900 Land $262,000 Building $266,900	$528,900 Land $262,000 Building $266,900
2023	$3,289.00	$539,300 Land $264,900 Building $274,400	$539,300 Land $264,900 Building $274,400

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

Flood

FEMA maps place 99 River's Edge Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
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 99 River's Edge Ln 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 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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