4112 Ruth Rd, Madison, VA 22727 Property Records

Madison County property record for 4112 Ruth Rd, Madison, VA 22727

Property Summary

Property Type	General Agricultural/Rural
Details	4 bd · 3.5 ba · 3,969 sqft · built 2004
Lot Size	44.7 acres (1,948,395 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Oct 2021)
Tax Bill	$5,296 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-41`

Property Details

APN / Parcel Number

Primary APN	`38-41`
Alternative APN	`6699`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,969 sqft Total Area
1st Floor Area	2,143 sqft
Basement Area	1,929 sqft
Finished Basement	1,929 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Fiber Cement Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,948,395 sqft (44.7 acres)
Terrain	Steep
Garage Area	1,000 sqft
Driveway	Driveway
Parking Spaces	4 Parking Spaces
Patio Area	838 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	6699
Street Address	4112 RUTH RD
City	MADISON
State	VA
Zip	22727-5089
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	C1
Legal Description	IN 210002079 44.729 AC 38-41 RT 652
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	2
Census Block	2068
Census Tract	930202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4112 RUTH RD, MADISON, VA 22727-5089
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · FHA Mortgage HUD
Nov 9, 2017	Deed of Trust, Mortgage · Line of Credit UNION BANK & TRUST
Oct 4, 2021	Bargain and Sale Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021 · Amount on Record
Deed Sale	Oct 4, 2021 · Amount on Record
Deed Document Number	20212079
Prior Transfer Date	Oct 7, 2009
Prior Transfer Doc	0000001694
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	4112 RUTH RD, MADISON, VA 22727-5089
Transaction Type	Mortgage
Record Updated	Feb 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000122
Date	Jan 29, 2024
Instrument	240000122

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Oct 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	4112 RUTH RD, MADISON, VA 22727-5089
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0170001635
Date	Nov 9, 2017
Instrument	170001635

Lender

Name	UNION BANK & TRUST
Type	Bank
Address	RICHMOND, VA 23219

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MADISON VA
Recording Date	Oct 4, 2021
Property Address	4112 RUTH RD, MADISON, VA 22727-5089
Document Number	0210002079
Map Reference	MB 20 PG 87
Instrument Date	Sep 28, 2021
Instrument	210002079
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4112 RUTH RD, MADISON, VA 22727-5089

Mortgage

Document Number	0210002080
Date	Oct 4, 2021
Instrument	210002080

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,296.00 (+4.13%)	$999,300 (+45.4%) Land $123,900 Building $875,400	$999,300 (+45.4%) Land $123,900 Building $875,400
2023	$5,086.00	$687,300 Land $87,700 Building $599,600	$687,300 Land $87,700 Building $599,600

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 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	8 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	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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

May also be available: Verizon, Virginia Broadband.

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