408 Ruby Rd, Fincastle, VA 24090 Property Records

Botetourt County property record for 408 Ruby Rd, Fincastle, VA 24090 · Last verified August 2026

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,352 sqft · built 2024
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$25,000 (Mar 2020)
Tax Bill	$1,378 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Feb 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`47-6`

Property Details

APN / Parcel Number

Primary APN	`47-6`
Alternative APN	`19595`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,352 sqft Finished Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Terrain	Rolling
Deck Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	19595
Street Address	408 RUBY RD
City	FINCASTLE
State	VA
Zip	24090-3328
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	BORDENS RUN
Jurisdiction	BOTETOURT VA
Township / Civil Division	FINCASTLE
Census Block Group	3
Census Block	3026
Census Tract	40100

Owner

Source: Botetourt County records · APN 47-6

Assessment roll updated December 2, 2025 · Last verified August 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 File
Mailing Address	408 RUBY RD, FINCASTLE, VA 24090-3328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit AMERICAN FINANCIAL RESOURCES INC
Feb 15, 2024	Intrafamily Transfer, Transfer
Sep 30, 2022	Intrafamily Transfer, Transfer
Mar 26, 2020	Warranty Deed, Transfer · Commercial Mortgage THE BANK OF FINCASTLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 26, 2020 · Amount on Record
Deed Sale	Mar 26, 2020 · Amount on Record
Deed Document Number	20201177
Last Transfer Date	Jan 24, 2024
Transfer Doc	0000000369
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOTETOURT VA
Property Address	408 RUBY RD, FINCASTLE, VA 24090-3328
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE & SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002910
Date	Oct 10, 2023
Instrument	230002910

Lender

Name	AMERICAN FINANCIAL RESOURCES INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	369 Months
Due	Jul 01, 2054

Interest

Rate Type	Adjustable Rate

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BOTETOURT VA
Recording Date	Feb 15, 2024
Property Address	408 RUBY RD, FINCASTLE, VA 24090-3328
Document Number	0240000369
Instrument Date	Jan 24, 2024
Instrument	240000369
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 ARAGONA DR, VINTON, VA 24179-2803

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BOTETOURT VA
Recording Date	Sep 30, 2022
Property Address	408 RUBY RD, FINCASTLE, VA 24090-3328
Document Number	0220003861
Instrument Date	Sep 14, 2022
Instrument	220003861
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 RUBY RD, FINCASTLE, VA 24090-3328

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOTETOURT VA
Recording Date	Mar 26, 2020
Property Address	408 RUBY RD, FINCASTLE, VA 24090-3328
Document Number	0200001177
Instrument Date	Mar 17, 2020
Instrument	200001177
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	COLONIAL TITLE AND SETTLEMENT AGENCY, COLONIAL TITLE & SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	PO BOX 694, FINCASTLE, VA 24090-0694

Mortgage

Document Number	0200001178
Date	Mar 26, 2020
Instrument	200001178

Lender

Name	THE BANK OF FINCASTLE

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Botetourt County records · Assessment roll updated December 2, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$196,800 (-) Land $40,000 Building $156,800	$196,800 (-) Land $40,000 Building $156,800
2025	$1,378.00 (-96.6%)	$196,800 (+392%) Land $40,000 Building $156,800	$196,800 (+392%) Land $40,000 Building $156,800
2024	$40,568.00 (+12,737.97%)
2023		$40,000 (-) Land $35,000 Building $5,000	$40,000 (-) Land $35,000 Building $5,000
2022	$316.00	$40,000 Land $35,000 Building $5,000	$40,000 Land $35,000 Building $5,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Botetourt County (51023C), updated December 17, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510230401003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	9 in force
Nearby Flood Claims	27 (1980–2025)
Claims Outside the SFHA	5 of 27
Most Recent Claim	Feb 2025, river or lake flooding, Severe Winter Storms And Flooding
Claims By Storm	Severe Winter Storms And Flooding, Feb 2025 · 2 claims Severe Storms And Flooding From The Remanants Of Hurricane Jeanne, Sep 2004 · 7 claims Severe Storms & Flooding, Apr 1992 · 3 claims

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 83% of Virginia
Wildfire Likelihood	About 1 in 909 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
T-Mobile USA	Fiber	5,000 / 5,000
Craig-Botetourt Electric Cooperative	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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