374 Finley Rd, Raphine, VA 24472 Property Records

Rockbridge County property record for 374 Finley Rd, Raphine, VA 24472

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,400 sqft · built 1910
Lot Size	11.9 acres (519,584 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Apr 2021)
Tax Bill	$3,215 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit Dec 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27 1 2C10`

Property Details

APN / Parcel Number

Primary APN	`27 1 2C10`
Alternative APN	`20448`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,400 sqft Living Area
Gross Area	3,155 sqft
1st Floor Area	1,726 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1979
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	519,584 sqft (11.9 acres)
Terrain	Rolling
Porch	Slab
Porch Area	563 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20448
Street Address	374 FINLEY RD
City	RAPHINE
State	VA
Zip	24472-2210
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-2
Legal Subdivision	PARCEL 2C10 TOTAL AREA 11 928 ACRES
Jurisdiction	ROCKBRIDGE VA
Township / Civil Division	WALKERS CREEK
Census Block Group	1
Census Block	1151
Census Tract	930200

Owner

Source: Rockbridge County records, as of August 17, 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	374 FINLEY RD, RAPHINE, VA 24472-2210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK
Dec 18, 2024	Deed of Trust, Mortgage · Unknown FIRST BANK
Apr 28, 2021	Deed, Transfer · Line of Credit TERESA HARRIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Deed Document Number	20211561
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	374 FINLEY RD, RAPHINE, VA 24472-2210
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0200001546
Date	Jun 4, 2020
Instrument	200001546

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	STAUNTON, VA 24401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 28, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKBRIDGE VA
Property Address	374 FINLEY RD, RAPHINE, VA 24472-2210
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	374 FINLEY RD, RAPHINE, VA 24472-2210

Mortgage

Document Number	0240002849
Date	Dec 18, 2024
Instrument	240002849

Lender

Name	FIRST BANK
Type	Bank
Address	STRASBURG, VA 22657

Agreement

Type	Unknown
Amount	Amount Recorded

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKBRIDGE VA
Recording Date	Apr 28, 2021
Property Address	374 FINLEY RD, RAPHINE, VA 24472-2210
Document Number	0210001561
Map Reference	CAB 5 SL 45
Instrument Date	Apr 26, 2021
Instrument	210001561
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	374 FINLEY RD, RAPHINE, VA 24472-2210

Mortgage

Document Number	0210001562
Date	Apr 28, 2021
Instrument	210001562

Lender

Name	TERESA HARRIS
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Rockbridge County assessment roll, as of December 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,215.00	$502,400 (-) Land $181,100 Building $321,300	$502,400 (-) Land $181,100 Building $321,300
2023		$502,400 Land $181,100 Building $321,300	$502,400 Land $181,100 Building $321,300

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 7, 2006 · 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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	52 (1992–2018)
Claims Outside the SFHA	2 of 52
Most Recent Claim	Apr 2018 · river or lake flooding
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 31 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 6 claims Severe Storms And Flooding, Jun 1995 · 5 claims

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BARC Connects Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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