1011 Bluff Mountain Rd, Madison, VA 22727 Property Records

Madison County property record for 1011 Bluff Mountain Rd, Madison, VA 22727

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1983
Lot Size	6.1 acres (265,716 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Jun 2005)
Tax Bill	$1,517 (2026)
Deeds & Mortgages	Apr 2020 Mortgage May 2011 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`27A-1-5`

Property Details

APN / Parcel Number

Primary APN	`27A-1-5`
Alternative APN	`4678`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	265,716 sqft (6.1 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	320 sqft
Deck Area	32 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	4678
Street Address	1011 BLUFF MOUNTAIN RD
City	MADISON
State	VA
Zip	22727-3335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	IN 030003155 6.100 AC 27A(1)-5 RT 615
Legal Subdivision	MOUNTAIN FARMS SUBDIVISION
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	2
Census Block	2043
Census Tract	930202

Owner

Source: Madison County records, as of August 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1011 BLUFF MOUNTAIN RD, MADISON, VA 22727-3335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK
May 31, 2011	Deed of Trust, Mortgage · Line of Credit STELLARONE BANK
May 14, 2014	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST COMPANY
Jun 13, 2007	Deed of Trust, Mortgage · Line of Credit SECOND BANK & TRUST
Jun 10, 2005	Commissioner's Deed, Foreclosure SECOND BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2005 · Amount on Record
Deed Sale	Jun 10, 2005 · Amount on Record
Deed Document Number	20051638
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1011 BLUFF MOUNTAIN RD, MADISON, VA 22727-3335
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000528
Date	Apr 15, 2020
Instrument	200000528

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

May 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1011 BLUFF MOUNTAIN RD, MADISON, VA 22727-3335
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0110000761
Date	May 31, 2011
Instrument	110000761

Lender

Name	STELLARONE BANK
Type	Bank
Address	CHRISTIANSBURG, VA 24073

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1011 BLUFF MOUNTAIN RD, MADISON, VA 22727-3335
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0140000562
Date	May 14, 2014
Instrument	140000562

Lender

Name	BRANCH BANKING & TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	109 Months
Due	Jun 1, 2023

Interest

Rate Type	Fixed Rate
Rate	3.5%

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1011 BLUFF MOUNTAIN RD, MADISON, VA 22727-3335
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0070001304
Date	Jun 13, 2007
Instrument	070001304

Lender

Name	SECOND BANK & TRUST
Address	CULPEPER, VA 22701

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2005: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON VA
Recording Date	Jun 10, 2005
Property Address	1011 BLUFF MOUNTAIN RD, MADISON, VA 22727-3335
Document Number	0050001638
Instrument Date	Jun 8, 2005
Instrument	050001638
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 BLUFF MOUNTAIN RD, MADISON, VA 22727-3335
Investor	Possibly a Property Investor

Mortgage

Document Number	0050001640
Date	Jun 10, 2005
Instrument	050001640

Lender

Name	SECOND BANK & TRUST

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Madison County assessment roll, as of August 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,517.00 (+3.9%)	$286,400 (-) Land $133,200 Building $153,200	$286,400 (-) Land $133,200 Building $153,200
2025	$1,460.00 (+30.47%)	$286,400 (+89.29%) Land $133,200 Building $153,200	$286,400 (+89.29%) Land $133,200 Building $153,200
2023	$1,119.00	$151,300 Land $87,700 Building $63,600	$151,300 Land $87,700 Building $63,600

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 29, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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	Moderate above 42% of the US · above 69% of Virginia
Wildfire Likelihood	0.06% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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