321 N Independence Ave, Independence, VA 24348 Property Records

Grayson County property record for 321 N Independence Ave, Independence, VA 24348

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 886 sqft · built 1940
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Nov 2022)
Tax Bill	$406 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`73A1-A-112`

Property Details

APN / Parcel Number

Primary APN	`73A1-A-112`
Alternative APN	`14417`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	886 sqft Living Area
Gross Area	2,434 sqft
1st Floor Area	1,506 sqft
Attic	Attic
Attic Area	218 sqft
Basement Area	781 sqft
Unfinished Basement	781 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1975
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Terrain	Above Road/Slope
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	14417
Street Address	321 N INDEPENDENCE AVE
City	INDEPENDENCE
State	VA
Zip	24348-4501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	.33 73A1-A-112
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	2
Census Block	2054
Census Tract	60201

Owner

321 N Independence Ave is owned and occupied by an individual who bought it in November 2022.

Source: Grayson County records, as of June 1, 2026

Owner of Record	Individual Name on File
Mailing Address	321 N INDEPENDENCE AVE, INDEPENDENCE, VA 24348-4501
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

Date	Document
Nov 2, 2022	Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC
Apr 10, 2019	Warranty Deed, Transfer · FmHA Mortgage UNITED STATES OF AMERICA DEPARTMENT
Apr 10, 2019	Warranty Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2022 · Amount on File
Deed Sale	Nov 2, 2022 · Amount on File
Prior Sale	Apr 10, 2019 · Amount on File
Deed Document Number	20222448
Deed Book / Page	677 / 259
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Nov 2, 2022
Property Address	321 N INDEPENDENCE AVE, INDEPENDENCE, VA 24348-4501
Document Number	000677/259
Book / Page	677 / 259
Instrument Date	Oct 12, 2022
Instrument	220002448
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 N INDEPENDENCE AVE, INDEPENDENCE, VA 24348-4501

Mortgage

Document Number	0220002449
Date	Nov 2, 2022
Instrument	220002449

Lender

Name	EMM LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	172 Months
Due	Mar 1, 2037

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Apr 10, 2019
Property Address	321 N INDEPENDENCE AVE, INDEPENDENCE, VA 24348-4501
Document Number	000628/347
Book / Page	628 / 347
Instrument Date	Apr 10, 2019
Instrument	190000539
Transaction Type	Transfer
Record Updated	Sep 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 N INDEPENDENCE AVE, INDEPENDENCE, VA 24348-4501

Mortgage

Document Number	0190000540
Date	Apr 10, 2019
Instrument	190000540

Lender

Name	UNITED STATES OF AMERICA DEPARTMENT

Agreement

Type	FmHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Apr 10, 2019
Property Address	321 N INDEPENDENCE AVE, INDEPENDENCE, VA 24348-4501
Document Number	628/347
Book / Page	628 / 347
Instrument Date	Apr 10, 2019
Instrument	190000539
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 N INDEPENDENCE AVE, INDEPENDENCE, VA 24348-4501

Tax Assessment & Valuation

The 2025 property tax bill for 321 N Independence Ave was $406.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$406.00	$70,000 Land $11,000 Building $59,000	$70,000 Land $11,000 Building $59,000
2023	$378.00	$70,000 Land $11,000 Building $59,000	$70,000 Land $11,000 Building $59,000

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

Flood

FEMA maps place 321 N Independence Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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

Wildfire risk around 321 N Independence Ave is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 79% of Virginia
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: GigaBeam Networks.

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