475 Cliff Ln, Bluemont, VA 20135 Property Records

Clarke County property record for 475 Cliff Ln, Bluemont, VA 20135

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,452 sqft · built 1975
Lot Size	11.3 acres (493,970 sqft)
Owner	Individual Name on Record
Last Sale	$351,000 (Apr 2016)
Tax Bill	$2,752 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-1-10`

Property Details

APN / Parcel Number

Primary APN	`32-1-10`
Alternative APN	`6431`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	1,452 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	493,970 sqft (11.3 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Deck Area	600 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6431
Street Address	475 CLIFF LN
City	BLUEMONT
State	VA
Zip	20135-5135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FOC
Legal Description	ASHBY RUN SUBD LOT 10
Legal Subdivision	ASHBY RUN SUBD
Legal Lot Number	10
Jurisdiction	CLARKE VA
Township / Civil Division	MILLWOOD
Census Block Group	2
Census Block	2004
Census Tract	10300

Owner

Source: Clarke County records, as of July 20, 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	475 CLIFF LN, BLUEMONT, VA 20135-5135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Oct 25, 2022	Gift Deed, Transfer · Construction Mortgage OPTIMUM FIRST INC
Aug 30, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Jul 30, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2016 · Amount on Record
Deed Sale	Apr 5, 2016 · Amount on Record
Deed Document Number	2016595
Deed Book / Page	600 / 828
Last Transfer Date	Oct 17, 2022
Transfer Doc	0000707/50
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARKE VA
Recording Date	Jul 10, 2026
Property Address	475 CLIFF LN, BLUEMONT, VA 20135-5135
Document Number	0000001051
Book / Page	74 / 59
Instrument Date	Jun 6, 2026
Instrument	20261051
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 CLIFF LN, BLUEMONT, VA 20135-5135

Mortgage

Document Number	0000001051,
Date	Jul 10, 2026
Book Page	74/59
Instrument	20261051

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Max Rate	-1%

October 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CLARKE VA
Recording Date	Oct 25, 2022
Property Address	475 CLIFF LN, BLUEMONT, VA 20135-5135
Document Number	0000707/50
Book / Page	707 / 50
Map Reference	DD 101 PG 665
Instrument Date	Oct 12, 2022
Instrument	22-2096
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	475 CLIFF LN, 475, BLUEMONT, VA 20135-5135

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	475 CLIFF LN, BLUEMONT, VA 20135-5135

Mortgage

Document Number	0000222097
Date	Oct 25, 2022
Instrument	22-2097

Lender

Name	OPTIMUM FIRST INC
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLARKE VA
Property Address	475 CLIFF LN, BLUEMONT, VA 20135-5135
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	687/384
Date	Aug 30, 2021
Book Page	687/384
Instrument	21-2623

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLARKE VA
Recording Date	Jul 30, 2018
Property Address	475 CLIFF LN, BLUEMONT, VA 20135-5135
Document Number	631/240
Book / Page	631 / 240
Instrument Date	Jul 27, 2018
Instrument	18-1317
Transaction Type	Transfer
Record Updated	May 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 CLIFF LN, BLUEMONT, VA 20135-5135

Tax Assessment & Valuation

Source: Clarke County assessment roll, as of May 26, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,752.00 (+5.56%)	$578,200 (-) Land $325,100 Building $253,100
2025	$2,607.00 (+8.76%)	$578,200 (+44.73%) Land $325,100 Building $253,100	$578,200 (-) Land $325,100 Building $253,100
2024			$578,200 (+44.73%) Land $325,100 Building $253,100
2023		$399,500 Land $226,900 Building $172,600	$399,500 Land $226,900 Building $172,600
2022	$2,397.00

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 September 28, 2007 · 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	4 in force
Nearby Flood Claims	10 (1985–2011)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Apr 2011 · rainfall accumulation
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 5 claims Flooding, High Winds, And Wind Driven Rain, Jan 1996 · 3 claims

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 48% of the US · above 76% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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