196 Too Steep Ln, Independence, VA 24348 Property Records

Grayson County property record for 196 Too Steep Ln, Independence, VA 24348

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,296 sqft · built 2000
Lot Size	6.01 acres (261,796 sqft)
Owner	Individual Name on File
Tax Bill	$802 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`54-A-20E`

Property Details

APN / Parcel Number

Primary APN	`54-A-20E`
Alternative APN	`15839`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,788 sqft
1st Floor Area	1,296 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	261,796 sqft (6.01 acres)
Terrain	Rolling
Porch	Slab
Porch Area	432 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	15839
Street Address	196 TOO STEEP LN
City	INDEPENDENCE
State	VA
Zip	24348-3756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Description	6.010 54-A-20E
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	2
Census Block	2038
Census Tract	60201

Owner

Source: Grayson County assessment roll, as of June 1, 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 File
Mailing Address	PO BOX 496, INDEPENDENCE, VA 24348-0496
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	196 TOO STEEP LN, INDEPENDENCE, VA 24348
Transaction Type	Mortgage
Record Updated	Mar 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	638/34
Date	Feb 7, 2020
Book Page	638/34
Instrument	200000252

Lender

Name	ROYAL UNITED MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of June 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$802.00 (-16.63%)	$138,300 (-) Land $41,500 Building $96,800	$138,300 (-) Land $41,500 Building $96,800
2023	$962.00	$138,300 Land $41,500 Building $96,800	$138,300 Land $41,500 Building $96,800

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 28, 2008 · 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	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 56% of the US · above 85% of Virginia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
WVVA.net Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	25 / 3

May also be available: AT&T, Citizens Telephone Cooperative (VA).

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