Grayson County property record for 320 W Main St, Independence, VA 24348
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,602 sqft · built 1940 |
| Lot Size | 0.21 acres (9,174 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $182,000 (Jun 2025) |
| Tax Bill | $671 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Nov 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 73A4-A-27 |
| Primary APN | 73A4-A-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,602 sqft Living Area |
| Gross Area | 3,119 sqft |
| 1st Floor Area | 3,959 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,174 sqft (0.21 acres) |
| Terrain | Rolling |
| Pool Area | 264 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 162 sqft |
| Deck Area | 16 sqft |
| Shed | 1 Shed |
| Shed Area | 630 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 11251 |
|---|---|
| Street Address | 320 W MAIN ST |
| City | INDEPENDENCE |
| State | VA |
| Zip | 24348-4004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TOWN |
| Legal Description | LOT 73A4-A-27 |
| Legal Block | A |
| Legal Lot Number | 27 |
| Jurisdiction | GRAYSON VA |
| Township / Civil Division | ELK CREEK |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 60202 |
Source: Grayson County records, 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 Record |
|---|---|
| Mailing Address | 320 W MAIN ST, INDEPENDENCE, VA 24348-4004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Nov 5, 2025 | Correction Deed · FHA Mortgage NEW AMERICAN FUNDING |
| Jun 18, 2025 | Re-recorded Document · FHA Mortgage NEW AMERICAN FUNDING |
| Jun 7, 2021 | Deed of Trust, Mortgage · Closed-End Mortgage SKYLINE NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2025 · Amount on Record |
| Deed Sale | Jun 18, 2025 · Amount on Record |
| Deed Document Number | 20251078 |
| Deed Book / Page | 707 / 355 |
| Prior Transfer Date | Jan 30, 2025 |
| Prior Transfer Doc | 000707/355 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAYSON VA |
| Property Address | 320 W MAIN ST, INDEPENDENCE, VA 24348-4004 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 5290 DELHART RD, GALAX, VA 24333-4261 |
| Document Number | 000717/826 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 717/826 |
| Instrument | 260000521 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Feb 1, 2055 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | GRAYSON VA |
| Recording Date | Nov 5, 2025 |
| Property Address | 320 W MAIN ST, INDEPENDENCE, VA 24348-4004 |
| Document Number | 000713/159 |
| Book / Page | 713 / 159 |
| Instrument Date | Jun 25, 2025 |
| Instrument | 250002120 |
| Record Updated | Dec 4, 2025 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 W MAIN ST, INDEPENDENCE, VA 24348-4004 |
| Document Number | 000713/161 |
|---|---|
| Date | Nov 5, 2025 |
| Book Page | 713/161 |
| Instrument | 250002121 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Feb 1, 2055 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | GRAYSON VA |
| Recording Date | Jun 18, 2025 |
| Property Address | 320 W MAIN ST, INDEPENDENCE, VA 24348-4004 |
| Document Number | 000707/355 |
| Book / Page | 707 / 355 |
| Instrument Date | Jan 30, 2025 |
| Instrument | 250001078 |
| Record Updated | Mar 19, 2026 |
| Title Company | INVESTORS TITLE INS COMPANY |
| Amount | Amount Recorded |
|---|---|
| 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 | 320 W MAIN ST, INDEPENDENCE, VA 24348-4004 |
| Document Number | 0250001080 |
|---|---|
| Date | Jun 18, 2025 |
| Instrument | 250001080 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Feb 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRAYSON VA |
| Property Address | 320 W MAIN ST, INDEPENDENCE, VA 24348-4004 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 656/454 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 656/454 |
| Instrument | 210001243 |
| Name | SKYLINE NATIONAL BANK |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 19, 2031 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.74% |
Source: Grayson County assessment roll, as of June 1, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Grayson County |
| Municipality | Independence Town |
| Unified School District | Grayson County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $671.00 (+7.36%) | $115,800 (-) Land $11,000 Building $104,800 | $115,800 (-) Land $11,000 Building $104,800 |
| 2024 | $625.00 | $115,800 (-) Land $11,000 Building $104,800 | $115,800 (-) Land $11,000 Building $104,800 |
| 2023 | $625.00 | $115,800 Land $11,000 Building $104,800 | $115,800 Land $11,000 Building $104,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 54% of the US · above 83% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF INDEPENDENCE serves 971 people · EPA ID VA1077335 |
|---|---|
| Water Source | Purchased groundwater influenced by surface water from VIRGINIA CAROLINA WATER AUTHORITY |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Lingo Networks Fiber | 1,000 / 1,000 |
| GigaBeam Networks Fixed Wireless | 100 / 20 |
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