4382 Ruth Rd, Madison, VA 22727 Property Records

Madison County property record for 4382 Ruth Rd, Madison, VA 22727

Property Summary

Property Type	General Agricultural/Rural
Details	1,904 sqft · built 2018
Lot Size	36.9 acres (1,610,762 sqft)
Owner	Individual Name on Record
Last Sale	$975,000 (Mar 2024)
Tax Bill	$3,779 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`38-4H`

Property Details

APN / Parcel Number

Primary APN	`38-4H`
Alternative APN	`9318`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,904 sqft Total Area
1st Floor Area	1,904 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	1,610,762 sqft (36.9 acres)
Terrain	Rolling
Porch	Slab
Porch Area	96 sqft
Deck Area	416 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9318
Street Address	4382 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 240000337 36.978 AC 38-4H RT 656
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	2
Census Block	2036
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	Individual Name on Record
Mailing Address	6713 HACKBERRY ST, SPRINGFIELD, VA 22150-1123
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed, Transfer · Conventional Mortgage FARM CREDIT OF THE VIRGINIAS
Apr 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
Jan 19, 2018	Deed, Transfer · Conventional Mortgage FARM CREDIT OF THE VIRGINIAS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2024 · Amount on Record
Deed Sale	Mar 21, 2024 · Amount on Record
Prior Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	2024337
Record Updated	Oct 29, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON VA
Recording Date	Mar 21, 2024
Property Address	4382 RUTH RD, MADISON, VA 22727
Document Number	0240000337
Map Reference	MB 38 PG 87
Instrument Date	Mar 19, 2024
Instrument	240000337
Transaction Type	Transfer
Record Updated	Apr 24, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4382 RUTH RD, MADISON, VA 22727

Mortgage

Document Number	0240000338
Date	Mar 21, 2024
Instrument	240000338

Lender

Name	FARM CREDIT OF THE VIRGINIAS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	4382 RUTH RD, MADISON, VA 22727
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190000569
Date	Apr 25, 2019
Instrument	190000569

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	4382 RUTH RD, MADISON, VA 22727
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001002
Date	Jul 9, 2020
Instrument	200001002

Lender

Name	HOMESTEAD FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON VA
Recording Date	Jan 19, 2018
Property Address	4382 RUTH RD, MADISON, VA 22727
Document Number	0180000068
Instrument Date	Jan 7, 2018
Instrument	180000068
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
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	Joint Tenants
Address	1016 QUIET RIDGE CIR, RALEIGH, NC 27614-7257

Mortgage

Document Number	0180000069
Date	Jan 19, 2018
Instrument	180000069

Lender

Name	FARM CREDIT OF THE VIRGINIAS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$3,779.00 (+84.16%)	$983,200 (+101.15%) Land $620,700 Building $362,500	$983,200 (+101.15%) Land $620,700 Building $362,500
2023	$2,052.00	$488,800 Land $285,900 Building $202,900	$488,800 Land $285,900 Building $202,900

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 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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