Madison County property record for 6495 Ruth Rd, Madison, VA 22727
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,770 sqft · built 1986 |
| Lot Size | 3.66 acres (159,822 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Jun 2013) |
| Tax Bill | $2,253 (2026) |
| Deeds & Mortgages | May 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-23B |
| Primary APN | 38-23B |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,770 sqft Living Area |
| 1st Floor Area | 480 sqft |
| Flooring | Carpet |
| Interior Walls | Log |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Logs |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 159,822 sqft (3.66 acres) |
| Terrain | Rolling |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Stable | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 4604 |
|---|---|
| Street Address | 6495 RUTH RD |
| City | MADISON |
| State | VA |
| Zip | 22727-5085 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C1 |
| Legal Description | IN 130001089 3.669 AC 38-23B RT 658 |
| Jurisdiction | MADISON VA |
| Township / Civil Division | RAPIDAN |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 930201 |
6495 Ruth Rd is owned and occupied by two individuals who bought it in June 2013.
Source: Madison County records, as of August 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6495 RUTH RD, MADISON, VA 22727-5085 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2013 · Amount on File |
| Deed Sale | Jun 25, 2013 · Amount on File |
| Deed Document Number | 20131089 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 6495 RUTH RD, MADISON, VA 22727-5085 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230000567 |
|---|---|
| Date | May 17, 2023 |
| Instrument | 230000567 |
| Name | ATLANTIC UNION BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2053 |
Source: Madison County assessment roll, as of August 28, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Madison County |
| Unified School District | Madison County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,253.00 (+22.58%) | $425,200 (+71.11%) Land $108,700 Building $316,500 | $425,200 (+71.11%) Land $108,700 Building $316,500 |
| 2023 | $1,838.00 | $248,500 Land $83,400 Building $165,100 | $248,500 Land $83,400 Building $165,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6495 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 | 4 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 risk around 6495 Ruth Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 56% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
| Virginia Broadband Fixed Wireless · not low latency | 100 / 25 |
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