3837 Ruth Rd, Madison, VA 22727 Property Records

Madison County property record for 3837 Ruth Rd, Madison, VA 22727

Property Summary

Property Type	General Agricultural/Rural
Details	5 bd · 4.5 ba · 3,127 sqft · built 2003
Lot Size	42.3 acres (1,845,811 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,140 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-41A`

Property Details

APN / Parcel Number

Primary APN	`38-41A`
Alternative APN	`7883`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,127 sqft Total Area
1st Floor Area	2,168 sqft
Basement Area	2,036 sqft
Finished Basement	2,036 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,845,811 sqft (42.3 acres)
Terrain	Rolling
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	444 sqft
Deck Area	616 sqft
Patio Area	506 sqft
Balcony Area	7 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7883
Street Address	3837 RUTH RD
City	MADISON
State	VA
Zip	22727-5084
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	C1
Legal Description	IN 240001650 42.374 AC 38-41A RT 652
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	1
Census Block	1040
Census Tract	930201

Owner

3837 Ruth Rd, an agricultural property, is owned by two individuals who acquired it in December 2024.

Source: Madison County records, as of August 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3837 RUTH RD, MADISON, VA 22727-5084
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit OAK VIEW NATIONAL BANK
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK
Jun 27, 2022	Deed of Trust, Mortgage · VA Mortgage FINANCE AMERICA MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 17, 2024
Transfer Doc	0000001650
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	3837 RUTH RD, MADISON, VA 22727-5084
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3837 RUTH RD, MADISON, VA 22727-5084

Mortgage

Document Number	0250001690
Date	Dec 22, 2025
Instrument	250001690

Lender

Name	OAK VIEW NATIONAL BANK
Type	Bank
Address	CULPEPER, VA 22701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 16, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	3837 RUTH RD, MADISON, VA 22727-5084
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001673
Date	Nov 25, 2019
Instrument	190001673

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2049

Interest

Rate Type	Fixed Rate

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	3837 RUTH RD, MADISON, VA 22727-5084
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000977
Date	Jun 27, 2022
Instrument	220000977

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3837 Ruth Rd was $4,140.

Source: Madison County assessment roll, as of August 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,140.00	$1,008,700 Land $340,200 Building $668,500	$1,008,700 Land $340,200 Building $668,500
2023	$3,955.00	$767,800 Land $325,200 Building $442,600	$767,800 Land $325,200 Building $442,600

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

Flood

FEMA maps place 3837 Ruth Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 29, 2025 · 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	4 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.

Wildfire

Wildfire risk around 3837 Ruth Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: Verizon.

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