409 Hillcrest Ave, Independence, VA 24348 Property Records

Grayson County property record for 409 Hillcrest Ave, Independence, VA 24348

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,105 sqft · built 1955
Lot Size	0.917 acres (39,945 sqft)
Owner	Company Name on Record
Tax Bill	$747 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`73A2-A-69`

Property Details

APN / Parcel Number

Primary APN	`73A2-A-69`
Alternative APN	`757`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,105 sqft Living Area
Gross Area	7,190 sqft
1st Floor Area	4,798 sqft
Basement Area	2,625 sqft
Finished Basement	2,625 sqft
Unfinished Basement	2,625 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1984
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,945 sqft (0.917 acres)
Terrain	Rolling
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	245 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	757
Street Address	409 HILLCREST AVE
City	INDEPENDENCE
State	VA
Zip	24348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	0.917 73A2-A-69
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	2
Census Block	2049
Census Tract	60201

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	Company Name on Record
Mailing Address	PO BOX 411, INDEPENDENCE, VA 24348-0411
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · ARM CARTER BANK & TRUST
May 5, 2021	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 3, 2021
Transfer Doc	655/220
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	409 HILLCREST AVE, INDEPENDENCE, VA 24348
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	643/279
Date	Jul 13, 2020
Book Page	643/279
Instrument	200001293

Lender

Name	CARTER BANK & TRUST

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030

May 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	GRAYSON VA
Recording Date	May 5, 2021
Property Address	409 HILLCREST AVE, INDEPENDENCE, VA 24348
Document Number	655/220
Book / Page	655 / 220
Instrument Date	May 3, 2021
Instrument	210000953
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 411, INDEPENDENCE, VA 24348-0411

Tax Assessment & Valuation

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	$747.00 (+7.33%)	$128,900 (-) Land $11,000 Building $117,900	$128,900 (-) Land $11,000 Building $117,900
2023	$696.00	$128,900 Land $11,000 Building $117,900	$128,900 Land $11,000 Building $117,900

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	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

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

Wildfire Risk	Low lower than 63% of the US · above 60% of Virginia
Wildfire Likelihood	0.05% 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Lingo Networks Fiber	1,000 / 1,000

May also be available: GigaBeam Networks.

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