409 S Independence Ave, Independence, VA 24348 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,755 sqft · built 1930
Lot Size	0.64 acres (27,905 sqft)
Owner	Company Name on File
Last Sale	$195,000 (Jul 2026)
Tax Bill	$782 (2025)
Deeds & Mortgages	Jul 2026 Sale & Line of Credit Mar 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`73A5-A-19`

Property Details

APN / Parcel Number

Primary APN	`73A5-A-19`
Alternative APN	`6818`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,755 sqft Living Area
Gross Area	3,718 sqft
1st Floor Area	2,925 sqft
Basement Area	1,170 sqft
Finished Basement	1,170 sqft
Unfinished Basement	1,170 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1968
Exterior Material	Stucco
Roof Type	Gambrel
Roof Material	Metal
Lot Area	27,905 sqft (0.64 acres)
Terrain	Above Road/Slope
Deck Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	6818
Street Address	409 S INDEPENDENCE AVE
City	INDEPENDENCE
State	VA
Zip	24348-3873
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TOWN
Legal Description	.6406 73A5-A-19
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	3
Census Block	3029
Census Tract	60201

Owner

409 S Independence Ave is owned by a company that bought it in July 2026.

Source: Grayson County records, as of August 7, 2026

Owner of Record	Company Name on File
Mailing Address	793 RIDING TRAIL RD, INDEPENDENCE, VA 24348-3864
Owner Type	Company
Vesting	Limited Liability Partnership

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

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed, Transfer · Line of Credit FIRST COMMUNITY BANK
Mar 7, 2025	Deed of Trust, Mortgage · USDA Mortgage USDA
Oct 6, 2022	Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC
Jul 10, 2020	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 2, 2019	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2026 · Amount on File
Deed Sale	Jul 22, 2026 · Amount on File
Prior Sale	Oct 6, 2022 · Amount on File
Deed Document Number	20261284
Deed Book / Page	722 / 30
Prior Transfer Date	Mar 19, 2019
Prior Transfer Doc	000628/131
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GRAYSON VA
Recording Date	Jul 22, 2026
Property Address	409 S INDEPENDENCE AVE, INDEPENDENCE, VA 24348-3873
Document Number	0000001284
Book / Page	722 / 30
Instrument Date	Jul 22, 2026
Instrument	20261284
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	APPALACHIAN TITLE RESEARCH, APPALACHIAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,695.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	793 RIDING TRAIL RD, INDEPENDENCE, VA 24348-3864

Mortgage

Document Number	0000001285,
Date	Jul 22, 2026
Instrument	20261285

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	409 S INDEPENDENCE AVE, INDEPENDENCE, VA 24348-3873
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000703/620
Date	Mar 7, 2025
Book Page	703/620
Instrument	250000371

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	478 Months
Due	Jan 1, 2065

Interest

Rate Type	Fixed Rate

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Oct 6, 2022
Property Address	409 S INDEPENDENCE AVE, INDEPENDENCE, VA 24348-3873
Document Number	000676/344
Book / Page	676 / 344
Instrument Date	Oct 4, 2022
Instrument	220002252
Transaction Type	Transfer
Record Updated	Nov 24, 2022
Title Company	APPALACHIAN TITLE AND ABSTRACTIN, APPALACHIAN TITLE & STLMNT

Transaction

Amount	Amount on Record
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	409 S INDEPENDENCE AVE, INDEPENDENCE, VA 24348-3873

Mortgage

Document Number	0220002253
Date	Oct 6, 2022
Instrument	220002253

Lender

Name	EMM LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	352 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Jul 10, 2020
Property Address	409 S INDEPENDENCE AVE, INDEPENDENCE, VA 24348-3873
Document Number	643/214
Book / Page	643 / 214
Instrument Date	Jul 7, 2020
Instrument	200001282
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S INDEPENDENCE AVE, INDEPENDENCE, VA 24348-3873

April 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GRAYSON VA
Recording Date	Apr 2, 2019
Property Address	409 S INDEPENDENCE AVE, INDEPENDENCE, VA 24348-3873
Document Number	000628/131
Book / Page	628 / 131
Instrument Date	Mar 19, 2019
Instrument	190000490
Transaction Type	Foreclosure
Record Updated	Dec 12, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	268 JESSIES LN, GALAX, VA 24333-4082

Tax Assessment & Valuation

The 2025 property tax bill for 409 S Independence Ave was $782.

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	$782.00	$134,900 Land $11,000 Building $123,900	$134,900 Land $11,000 Building $123,900
2023	$728.00	$134,900 Land $11,000 Building $123,900	$134,900 Land $11,000 Building $123,900

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

Flood

FEMA maps place 409 S Independence Ave in Zone X, an area of minimal flood risk.

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	3 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 409 S Independence Ave is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 81% of Virginia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: GigaBeam Networks, Lingo Networks.

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