1403 Ridge Rd, Raphine, VA 24472 Property Records

Rockbridge County property record for 1403 Ridge Rd, Raphine, VA 24472

Property Summary

Property Type	Rural Home
Details	5 bd · 2 ba · 2,122 sqft · built 1992
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$665,000 (Nov 2023)
Deeds & Mortgages	Jan 2018 Line of Credit Nov 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27 A 53`

Property Details

APN / Parcel Number

Primary APN	`27 A 53`
Alternative APN	`1750`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,122 sqft Living Area
Basement Area	1,446 sqft
Finished Basement	1,446 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	132 sqft
Deck Area	256 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1750
Street Address	1403 RIDGE RD
City	RAPHINE
State	VA
Zip	24472-2215
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-2
Legal Description	DAVIS STATION
Jurisdiction	ROCKBRIDGE VA
Township / Civil Division	WALKERS CREEK
Census Block Group	1
Census Block	1152
Census Tract	930200

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1403 RIDGE RD, RAPHINE, VA 24472-2215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2018	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WEST VIRGINIA
Nov 29, 2023	Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP
Nov 29, 2023	Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP
Sep 16, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 29, 2023 · Amount on Record
Deed Sale	Nov 29, 2023 · Amount on Record
Prior Sale	Sep 16, 2021 · Amount on Record
Deed Document Number	2023-2754
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	1403 RIDGE RD, RAPHINE, VA 24472-2215
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0180000111
Date	Jan 16, 2018
Instrument	180000111

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	RAPHINE, VA 24472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Nov 29, 2023
Property Address	1403 RIDGE RD, RAPHINE, VA 24472-2215
Document Number	0230002754
Map Reference	CAB 5 SL 251
Instrument Date	Sep 13, 2023
Instrument	230002754
Transaction Type	Transfer
Record Updated	Dec 15, 2023
Title Company	CLOSURE TITLE SETTLEMENT COMPANY, CLOSURE TITLE AND STLMT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$332.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1403 RIDGE RD, RAPHINE, VA 24472-2215

Mortgage

Document Number	0230002756
Date	Nov 29, 2023
Instrument	230002756

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Nov 29, 2023
Property Address	1403 RIDGE RD, RAPHINE, VA 24472-2215
Document Number	0230002754
Map Reference	CAB 5 SL 251
Instrument Date	Sep 13, 2023
Instrument	230002754
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	CLOSURE TITLE SETTLEMENT COMPANY, CLOSURE TITLE AND STLMT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$332.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1403 RIDGE RD, RAPHINE, VA 24472-2215

Mortgage

Document Number	0230002756
Date	Nov 29, 2023
Instrument	230002756

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Sep 16, 2021
Property Address	1403 RIDGE RD, RAPHINE, VA 24472-2215
Document Number	0210003625
Map Reference	CAB 5 SL 251
Instrument Date	Aug 16, 2021
Instrument	210003625
Transaction Type	Transfer
Record Updated	Dec 11, 2025

Transaction

Amount	Amount Recorded
Tax	$578.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5253 CLEARVIEW RD, BELGRADE, MT 59714-8633
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$607,300 (-) Land $145,000 Building $462,300	$607,300 (-) Land $145,000 Building $462,300
2023	$607,300 Land $145,000 Building $462,300	$607,300 Land $145,000 Building $462,300

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 August 7, 2006 · 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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	52 (1992–2018)
Claims Outside the SFHA	2 of 52
Most Recent Claim	Apr 2018 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 31 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 6 claims Severe Storms And Flooding, Jun 1995 · 5 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · above 82% of Virginia
Wildfire Likelihood	0.1% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BARC Connects Fiber	1,000 / 1,000

May also be available: Verizon.

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