439 Panorama Ln, Independence, VA 24348 Property Records

Grayson County property record for 439 Panorama Ln, Independence, VA 24348 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,131 sqft · built 1970
Lot Size	3.95 acres (172,280 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Apr 2018)
Tax Bill	$1,438 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`73B-2-15F`

Property Details

APN / Parcel Number

Primary APN	`73B-2-15F`
Alternative APN	`6366`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,131 sqft Living Area
Gross Area	5,910 sqft
1st Floor Area	2,131 sqft
Basement Area	2,131 sqft
Finished Basement	2,131 sqft
Unfinished Basement	2,131 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	172,280 sqft (3.95 acres)
Terrain	Rolling
Deck Area	180 sqft
Patio Area	863 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	6366
Street Address	439 PANORAMA LN
City	INDEPENDENCE
State	VA
Zip	24348-3511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.955 73B-2-15F
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	2
Census Block	2062
Census Tract	60202

Owner

Source: Grayson County records · APN 73B-2-15F

Assessment roll updated June 1, 2026 · Last verified June 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 File
Mailing Address	439 PANORAMA LN, INDEPENDENCE, VA 24348-3511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage USAA FEDERAL SAVINGS BANK
Apr 23, 2018	Warranty Deed, Transfer · Conventional Mortgage USAA FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 23, 2018 · Amount on Record
Deed Sale	Apr 23, 2018 · Amount on Record
Prior Sale	Feb 25, 2015 · Amount on Record
Deed Document Number	2018816
Deed Book / Page	618 / 243
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	439 PANORAMA LN, INDEPENDENCE, VA 24348-3511
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000642/671
Date	Jun 24, 2020
Book Page	642/671
Instrument	200001161

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Interest

Rate Type	Fixed Rate
Rate	3.38%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Apr 23, 2018
Property Address	439 PANORAMA LN, INDEPENDENCE, VA 24348-3511
Document Number	618/243
Book / Page	618 / 243
Instrument Date	Apr 23, 2018
Instrument	180000816
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	439 PANORAMA LN, INDEPENDENCE, VA 24348-3511

Mortgage

Document Number	180000817
Date	Apr 23, 2018
Instrument	180000817

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Grayson County records · Assessment roll updated June 1, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Grayson County
Unified School District	Grayson County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,438.00 (-7.52%)	$248,100 (-) Land $29,800 Building $218,300	$248,100 (-) Land $29,800 Building $218,300
2023	$1,555.00	$248,100 Land $29,800 Building $218,300	$248,100 Land $29,800 Building $218,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Grayson County (51077C), updated August 28, 2008 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510770602022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Moderate above 55% of the US · above 84% of Virginia
Wildfire Likelihood	About 1 in 709 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: WVVA.net. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Panorama Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures