4354 Ruth Rd, Madison, VA 22727 Property Records

Madison County property record for 4354 Ruth Rd, Madison, VA 22727

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 2 ba · 896 sqft · built 2019
Lot Size	33.3 acres (1,450,984 sqft)
Owner	2 Individual Names on File
Last Sale	$179,500 (Dec 2018)
Tax Bill	$2,964 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38-43C`

Property Details

APN / Parcel Number

Primary APN	`38-43C`
Alternative APN	`9824`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	896 sqft Total Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	1,450,984 sqft (33.3 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	384 sqft
Patio Area	256 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	9824
Street Address	4354 RUTH RD
City	MADISON
State	VA
Zip	22727
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	C1
Legal Description	IN 230000897 33.310 AC 38-43C RT 652 & 656
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	2
Census Block	2036
Census Tract	930202

Owner

4354 Ruth Rd, an agricultural property, is owned by two individuals who acquired it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	43672 RIVERPOINT DR, LEESBURG, VA 20176-8449
Owner Type	Individual
Vesting	Borrower in Default

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
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jul 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT OF THE VIRGINIAS
Jul 31, 2023	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN
Dec 11, 2018	Deed, Transfer · Conventional Mortgage FARM CREDIT OF THE VIRGINIAS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2018 · Amount on File
Deed Sale	Dec 11, 2018 · Amount on File
Deed Document Number	20181576
Last Transfer Date	Jul 27, 2023
Transfer Doc	0000000897
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	4354 RUTH RD, MADISON, VA 22727
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001669
Date	Nov 25, 2019
Instrument	190001669

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	4354 RUTH RD, MADISON, VA 22727
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190000983
Date	Jul 10, 2019
Instrument	190000983

Lender

Name	FARM CREDIT OF THE VIRGINIAS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON VA
Recording Date	Jul 31, 2023
Property Address	4354 RUTH RD, MADISON, VA 22727
Document Number	0230000897
Map Reference	MB 35 PG 30
Instrument Date	Jul 27, 2023
Instrument	230000897
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43672 RIVERPOINT DR, LEESBURG, VA 20176-8449

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON VA
Recording Date	Dec 11, 2018
Property Address	4354 RUTH RD, MADISON, VA 22727
Document Number	0180001576
Instrument Date	Dec 7, 2018
Instrument	180001576
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	43672 RIVERPOINT DR, LEESBURG, VA 20176-8449

Mortgage

Document Number	0180001577
Date	Dec 11, 2018
Instrument	180001577

Lender

Name	FARM CREDIT OF THE VIRGINIAS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4354 Ruth Rd was $2,964.

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	$2,964.00	$1,049,100 Land $693,600 Building $355,500	$1,049,100 Land $693,600 Building $355,500
2023	$2,322.00	$457,700 (-) Land $254,700 Building $203,000	$457,700 (-) Land $254,700 Building $203,000
2022	$2,322.00	$457,700 Land $254,700 Building $203,000	$457,700 Land $254,700 Building $203,000

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

Flood

FEMA maps place 4354 Ruth Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4354 Ruth Rd is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 70% 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 9 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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