243 Jay Ridge Rd, Cloverdale, VA 24077 Property Records

Botetourt County property record for 243 Jay Ridge Rd, Cloverdale, VA 24077

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,366 sqft · built 1996
Lot Size	0.502 acres (21,867 sqft)
Owner	2 Individual Names on File
Last Sale	$215,900 (Mar 2015)
Tax Bill	$2,398 (2025)
Deeds & Mortgages	Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`107J(1)39`

Property Details

APN / Parcel Number

Primary APN	`107J(1)39`
Alternative APN	`14603`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,366 sqft Finished Area
Basement Area	1,274 sqft
Finished Basement	1,274 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,867 sqft (0.502 acres)
Terrain	Rolling
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	14603
Street Address	243 JAY RIDGE RD
City	CLOVERDALE
State	VA
Zip	24077-3031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	ORCHARD HILL LOT 39
Legal Lot Number	39
Jurisdiction	BOTETOURT VA
Township / Civil Division	VALLEY
Census Block Group	4
Census Block	4001
Census Tract	40402

Owner

243 Jay Ridge Rd is owned and occupied by two individuals who bought it in March 2015.

Source: Botetourt County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	243 JAY RIDGE RD, CLOVERDALE, VA 24077-3031
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2015 · Amount on File
Deed Sale	Mar 31, 2015 · Amount on File
Prior Sale	Apr 25, 2012 · Amount on File
Deed Book / Page	1500 / 2510
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOTETOURT VA
Property Address	243 JAY RIDGE RD, CLOVERDALE, VA 24077-3031
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006532
Date	Dec 21, 2021
Instrument	210006532

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 243 Jay Ridge Rd was $2,398.

Source: Botetourt County assessment roll, as of October 19, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$342,600 (-) Land $40,000 Building $302,600	$342,600 (-) Land $40,000 Building $302,600
2025	$2,398.00	$342,600 Land $40,000 Building $302,600	$342,600 Land $40,000 Building $302,600
2024	$2,398.00
2023		$237,300 (-) Land $40,000 Building $197,300	$237,300 (-) Land $40,000 Building $197,300
2022	$1,874.00	$237,300 Land $40,000 Building $197,300	$237,300 Land $40,000 Building $197,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 243 Jay Ridge Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2018.

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
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

Wildfire risk around 243 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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