40 Big Ridge Rd, Independence, VA 24348 Property Records

Grayson County property record for 40 Big Ridge Rd, Independence, VA 24348

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,526 sqft · built 2004
Lot Size	19 acres (830,907 sqft)
Owner	Individual Name on Record
Last Sale	$437,000 (Feb 2013)
Tax Bill	$3,416 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-A-46B`

Property Details

APN / Parcel Number

Primary APN	`35-A-46B`
Alternative APN	`17484`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,526 sqft Living Area
Gross Area	6,035 sqft
1st Floor Area	3,526 sqft
Flooring	Cork
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2017
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	830,907 sqft (19 acres)
Terrain	Wooded
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	2,026 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	17484
Street Address	40 BIG RIDGE RD
City	INDEPENDENCE
State	VA
Zip	24348-5024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Description	19.075 35-A-46B
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	1
Census Block	1101
Census Tract	60202

Owner

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	40 BIG RIDGE RD, INDEPENDENCE, VA 24348-5024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2013 · Amount on Record
Deed Sale	Feb 22, 2013 · Amount on Record
Deed Book / Page	1300 / 408
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	40 BIG RIDGE RD, INDEPENDENCE, VA 24348-5024
Transaction Type	Mortgage
Record Updated	Jun 30, 2022
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000614/670
Date	Jan 9, 2018
Book Page	614/670
Instrument	180000042

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 22, 2047

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	40 BIG RIDGE RD, INDEPENDENCE, VA 24348-5024
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000627/914
Date	Mar 27, 2019
Book Page	627/914
Instrument	190000448

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	40 BIG RIDGE RD, INDEPENDENCE, VA 24348-5024
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000654/182
Date	Apr 14, 2021
Book Page	654/182
Instrument	210000795

Lender

Name	BANK OF AMERICA NA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	355 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,416.00 (+0.56%)	$589,100 (-) Land $106,300 Building $482,800	$589,100 (-) Land $106,300 Building $482,800
2023	$3,397.00	$589,100 Land $106,300 Building $482,800	$589,100 Land $106,300 Building $482,800

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 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.

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	0.06% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigaBeam Networks Fixed Wireless	100 / 20
Brightspeed DSL	60 / 5

Cell Coverage

4G LTE only, no 5G reported

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