Botetourt County property record for 176 Jay Ridge Rd, Cloverdale, VA 24077
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,296 sqft · built 1993 |
| Lot Size | 0.572 acres (24,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Apr 2021) |
| Tax Bill | $2,580 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Apr 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 107J(1)31 |
| Primary APN | 107J(1)31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,296 sqft Finished Area |
| Basement Area | 1,148 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 1,148 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 24,916 sqft (0.572 acres) |
| Terrain | Rolling |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 21 sqft |
| Deck Area | 140 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 14595 |
|---|---|
| Street Address | 176 JAY RIDGE RD |
| City | CLOVERDALE |
| State | VA |
| Zip | 24077-3029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | ORCHARD HILL LOT 31 |
| Legal Subdivision | ORCHARD HILL |
| Legal Lot Number | 31 |
| Jurisdiction | BOTETOURT VA |
| Township / Civil Division | VALLEY |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 40402 |
176 Jay Ridge Rd is owned and occupied by two individuals who bought it in April 2021.
Source: Botetourt County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 176 JAY RIDGE RD, CLOVERDALE, VA 24077-3029 |
| 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 |
|---|---|
| Jul 2, 2020 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC |
| Apr 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 12, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST COMPANY |
| Sep 15, 2017 | Warranty Deed, Transfer · VA Mortgage EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2021 · Amount on File |
| Deed Sale | Apr 26, 2021 · Amount on File |
| Prior Sale | Sep 15, 2017 · Amount on File |
| Deed Document Number | 20212311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOTETOURT VA |
| Property Address | 176 JAY RIDGE RD, CLOVERDALE, VA 24077-3029 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2021 |
| Title Company | ACQUISITION TITLE AND SETTLEMENT, ACQUISITION TITLE & STLMNT |
| Name | Verified Name |
|---|
| Document Number | 0200002642 |
|---|---|
| Date | Jul 2, 2020 |
| Instrument | 200002642 |
| Name | EMBRACE HOME LOANS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BOTETOURT VA |
| Recording Date | Apr 26, 2021 |
| Property Address | 176 JAY RIDGE RD, CLOVERDALE, VA 24077-3029 |
| Document Number | 210002311 |
| Instrument Date | Apr 13, 2021 |
| Instrument | 210002311 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2021 |
| Title Company | PRIORITY TITLE AND SETTLEMENT LL, PRIORITY TITLE & STLMNT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 176 JAY RIDGE RD, CLOVERDALE, VA 24077-3029 |
| Document Number | 210002312 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 210002312 |
| Name | QUICKEN LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOTETOURT VA |
| Property Address | 176 JAY RIDGE RD, CLOVERDALE, VA 24077-3029 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART |
| Name | Verified Name |
|---|
| Document Number | 170001474 |
|---|---|
| Date | Apr 12, 2017 |
| Instrument | 170001474 |
| Name | FIRST CITIZENS BANK & TRUST COMPANY |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BOTETOURT VA |
| Recording Date | Sep 15, 2017 |
| Property Address | 176 JAY RIDGE RD, CLOVERDALE, VA 24077-3029 |
| Document Number | 170003563 |
| Instrument Date | Aug 25, 2017 |
| Instrument | 170003563 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2021 |
| Title Company | ACQUISITION TITLE & STLMNT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 176 JAY RIDGE RD, CLOVERDALE, VA 24077-3029 |
| Document Number | 170003564 |
|---|---|
| Date | Sep 15, 2017 |
| Instrument | 170003564 |
| Name | EMBRACE HOME LOANS INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 176 Jay Ridge Rd was $2,580.
Source: Botetourt County assessment roll, as of October 19, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Botetourt County |
| Unified School District | Botetourt County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $368,700 (-) Land $40,000 Building $328,700 | $368,700 (-) Land $40,000 Building $328,700 | |
| 2025 | $2,580.00 | $368,700 Land $40,000 Building $328,700 | $368,700 Land $40,000 Building $328,700 |
| 2024 | $2,580.00 | ||
| 2023 | $259,100 (-) Land $40,000 Building $219,100 | $259,100 (-) Land $40,000 Building $219,100 | |
| 2022 | $2,046.00 | $259,100 Land $40,000 Building $219,100 | $259,100 Land $40,000 Building $219,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 176 Jay Ridge 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 December 17, 2010 · 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 | 7 in force |
| Nearby Flood Claims | 4 (2018–2019) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Feb 2019 · rainfall accumulation |
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 176 Jay Ridge Rd 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 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MOUNTAIN VIEW private · serves 2,773 people · EPA ID VA2023020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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