639 Flat Top Rd, Bland, VA 24315 Property Records

Bland County property record for 639 Flat Top Rd, Bland, VA 24315

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,329 sqft · built 1964
Lot Size	31.7 acres (1,384,075 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,115 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39 A 88`

Property Details

APN / Parcel Number

Primary APN	`39 A 88`
Alternative APN	`330`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,329 sqft Living Area
Gross Area	1,927 sqft
1st Floor Area	2,262 sqft
Upper Floors Area	442 sqft
Basement Area	558 sqft
Unfinished Basement	558 sqft
Flooring	Softwood
Interior Walls	Paneling

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Rolled Roofing
Lot Area	1,384,075 sqft (31.7 acres)
Terrain	Rolling
Porch	Enclosed Porch
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	330
Street Address	639 FLAT TOP RD
City	BLAND
State	VA
Zip	24315-4979
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	KIMBERLING CREEK 31.774 639 FLAT TOP RD 10-076 1202
Legal Subdivision	KIMBERLING CREEK
Jurisdiction	BLAND VA
Township / Civil Division	3
Census Block Group	2
Census Block	2005
Census Tract	40100

Owner

639 Flat Top Rd is owned and occupied by two individuals who acquired it in October 2018.

Source: Bland County records, as of April 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	639 FLAT TOP RD, BLAND, VA 24315-4979
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL CORPORATION
Dec 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FINANCIANG CORP
Oct 24, 2018	Intrafamily Transfer, Transfer · FmHA Mortgage FARM CREDIT OF THE VIRGINIAS ACA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 24, 2018
Transfer Doc	0000000526
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLAND VA
Recording Date	Jun 22, 2026
Property Address	639 FLAT TOP RD, BLAND, VA 24315-4979
Document Number	0000000389
Instrument Date	Jun 4, 2026
Instrument	2026389
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate, 156
Address	1007 FLAT TOP RD, BLAND, VA 24315-5003

Mortgage

Document Number	0000000389,
Date	Jun 22, 2026
Instrument	2026389

Lender

Name	AMERICAN FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLAND VA
Property Address	639 FLAT TOP RD, BLAND, VA 24315-4979
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000786
Date	Dec 29, 2021
Instrument	210000786

Lender

Name	AMERICAN FINANCIANG CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

Interest

Rate Type	Fixed Rate

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BLAND VA
Recording Date	Oct 24, 2018
Property Address	639 FLAT TOP RD, BLAND, VA 24315-4979
Document Number	180000526
Instrument Date	Oct 24, 2018
Instrument	180000526
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 FLAT TOP RD, BLAND, VA 24315-5003

Mortgage

Document Number	180000527
Date	Oct 24, 2018
Instrument	180000527

Lender

Name	FARM CREDIT OF THE VIRGINIAS ACA

Agreement

Type	FmHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 639 Flat Top Rd was $1,115.

Source: Bland County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Bland County
Unified School District	Bland County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,115.00	$185,900 Land $119,100 Building $66,800	$185,900 Land $119,100 Building $66,800
2023	$1,115.00	$185,900 Land $119,100 Building $66,800	$185,900 Land $119,100 Building $66,800

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

Flood

FEMA maps place 639 Flat Top Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

Source: FEMA National Flood Hazard Layer, effective April 2, 2008 · 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	2 in force
Nearby Flood Claims	2 (2003–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · river or lake flooding

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 639 Flat Top Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · above 80% of Virginia
Wildfire Likelihood	0.1% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigaBeam Networks Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Flat Top Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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