109 Ray Cir, Richlands, VA 24641 Property Records

Tazewell County property record for 109 Ray Cir, Richlands, VA 24641

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,060 sqft · built 1995
Lot Size	0.432 acres (18,834 sqft)
Owner	Individual Name on Record
Tax Bill	$6 (2025)
Deeds & Mortgages	Feb 2006 Line of Credit Sep 2013 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105A913 0013`

Property Details

APN / Parcel Number

Primary APN	`105A913 0013`
Alternative APN	`28357`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
1st Floor Area	1,060 sqft
Basement Area	1,060 sqft
Unfinished Basement	1,060 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	18,834 sqft (0.432 acres)
Terrain	Steep
Deck Area	18 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	28357
Street Address	109 RAY CIR
City	RICHLANDS
State	VA
Zip	24641-2843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHRISTMAS TREE HEIGHTS LOT 13
Legal Subdivision	CHRISTMAS TREE HEIGHTS
Legal Lot Number	13
Jurisdiction	TAZEWELL VA
Township / Civil Division	NORTHWESTERN
Census Block Group	2
Census Block	2004
Census Tract	21000

Owner

Source: Tazewell County records, as of June 5, 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	109 RAY CIR, RICHLANDS, VA 24641-2843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2006	Deed of Trust, Mortgage · Line of Credit FIRST SENTINEL BANK
Sep 10, 2013	Deed of Trust, Mortgage · Line of Credit FIRST SENTINEL BANK
Feb 17, 2026	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 10, 2026
Transfer Doc	0000000409
Record Updated	Sep 20, 2026

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAZEWELL VA
Property Address	109 RAY CIR, RICHLANDS, VA 24641-2843
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00964/0399
Date	Feb 28, 2006
Book Page	0964/0399
Instrument	060000841

Lender

Name	FIRST SENTINEL BANK
Address	RICHLANDS, VA 24641

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2016

Interest

Rate Type	Adjustable Rate
Rate	7.49%
Change Frequency	Monthly

September 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAZEWELL VA
Property Address	109 RAY CIR, RICHLANDS, VA 24641-2843
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2013/17369
Date	Sep 10, 2013
Book Page	2013/17369
Instrument	130003405

Lender

Name	FIRST SENTINEL BANK
Address	RICHLANDS, VA 24641

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	TAZEWELL VA
Recording Date	Feb 17, 2026
Property Address	109 RAY CIR, RICHLANDS, VA 24641-2843
Document Number	0202600409
Map Reference	MB 36 PG 45 CARD7346
Instrument Date	Feb 10, 2026
Instrument	202600409
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 RAY CIR, RICHLANDS, VA 24641-2843

Tax Assessment & Valuation

Source: Tazewell County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Tazewell County
Municipality	Richlands Town
Unified School District	Tazewell County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6.00 (-98.92%)	$113,300 (+18.14%) Land $16,000 Building $97,300	$113,300 (+18.14%) Land $16,000 Building $97,300
2023		$95,900 Land $15,000 Building $80,900	$95,900 Land $15,000 Building $80,900
2019	$556.00

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 May 12, 2021 · 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	2 in force
Nearby Flood Claims	14 (1978–2020)
Claims Outside the SFHA	4 of 14
Most Recent Claim	Feb 2020 · other causes

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 66% of the US · above 56% of Virginia
Wildfire Likelihood	0.03% 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	TOWN OF RICHLANDS serves 4,564 people · EPA ID VA1185695
Water Source	Surface water
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2018
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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Point Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Nearby Properties on Ray Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures