Madison County property record for 1157 Bluff Mountain Rd, Madison, VA 22727
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 952 sqft · built 2005 |
| Lot Size | 2.9 acres (126,324 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,751 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27A-1-9 |
| Primary APN | 27A-1-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 952 sqft |
| Unfinished Basement | 952 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 126,324 sqft (2.9 acres) |
| Terrain | Steep |
| Porch | Slab |
| Porch Area | 272 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 5951 |
|---|---|
| Street Address | 1157 BLUFF MOUNTAIN RD |
| City | MADISON |
| State | VA |
| Zip | 22727-3386 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | IN 050000856 2.900 AC 27A(1)-9 MTN FARMS |
| Jurisdiction | MADISON VA |
| Township / Civil Division | RAPIDAN |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 930202 |
1157 Bluff Mountain Rd is owned and occupied by an individual.
Source: Madison County records, as of August 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1157 BLUFF MOUNTAIN RD, MADISON, VA 22727-3386 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Sep 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 1157 BLUFF MOUNTAIN RD, MADISON, VA 22727-3386 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0200001558 |
|---|---|
| Date | Oct 2, 2020 |
| Instrument | 200001558 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 1157 BLUFF MOUNTAIN RD, MADISON, VA 22727-3386 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0210001969 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 210001969 |
| Name | NATIONSTAR MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 1157 Bluff Mountain Rd was $1,751.
Source: Madison County assessment roll, as of August 28, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Madison County |
| Unified School District | Madison County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,751.00 | $330,500 Land $105,500 Building $225,000 | $330,500 Land $105,500 Building $225,000 |
| 2023 | $1,235.00 | $167,000 Land $53,400 Building $113,600 | $167,000 Land $53,400 Building $113,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1157 Bluff Mountain Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 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 risk around 1157 Bluff Mountain Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of 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.
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 |
4G LTE (outdoors only), no 5G reported
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