660 Ratcliff Ln, Cedar Bluff, VA 24609 Property Records

Russell County property record for 660 Ratcliff Ln, Cedar Bluff, VA 24609

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,971 sqft · built 1990
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$306,000 (Apr 2021)
Tax Bill	$2,127 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`37L ID 17`

Property Details

APN / Parcel Number

Primary APN	`37L ID 17`
Alternative APN	`282`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,971 sqft Living Area
1st Floor Area	1,971 sqft
Basement Area	1,971 sqft
Unfinished Basement	1,971 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	10,828 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	147 sqft
Shed	1 Shed
Shed Area	300 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater
Heating Fuel	Wood

Location & Zoning

Account Number	282
Street Address	660 RATCLIFF LN
City	CEDAR BLUFF
State	VA
Zip	24609-8773
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAMUEL RATCLIFF SUBV LOT 17
Legal Subdivision	SAMUEL RATCLIFF SUBV
Legal Lot Number	17
Jurisdiction	RUSSELL VA
Township / Civil Division	LEBANON
Census Block Group	2
Census Block	2007
Census Tract	30402

Owner

Source: Russell 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	2 Individual Names on Record
Mailing Address	660 RATCLIFF LN, CEDAR BLUFF, VA 24609-8773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · Line of Credit NEW PEOPLES BANK INC
Apr 6, 2021	Deed, Transfer · Stand-Alone First Mortgage SUMMIT MORTGAGE
Jul 16, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Mar 3, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on Record
Deed Sale	Apr 6, 2021 · Amount on Record
Prior Sale	Apr 5, 2021 · Amount on Record
Deed Document Number	2021769
Deed Book / Page	885 / 74
Last Transfer Date	Feb 9, 2023
Transfer Doc	0000000550
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSSELL VA
Property Address	660 RATCLIFF LN, CEDAR BLUFF, VA 24609-8773
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2102629
Date	Nov 10, 2021
Instrument	2102629

Lender

Name	NEW PEOPLES BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	RUSSELL VA
Recording Date	Apr 6, 2021
Property Address	660 RATCLIFF LN, CEDAR BLUFF, VA 24609-8773
Document Number	885/74
Book / Page	885 / 74
Instrument Date	Apr 5, 2021
Instrument	2100769
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	660 RATCLIFF LN, CEDAR BLUFF, VA 24609-8773

Mortgage

Document Number	2100770
Date	Apr 6, 2021
Instrument	2100770

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSSELL VA
Property Address	660 RATCLIFF LN, CEDAR BLUFF, VA 24609-8773
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	855/465
Date	Jul 16, 2019
Book Page	855/465
Instrument	1901300

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2039

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	RUSSELL VA
Recording Date	Mar 3, 2017
Property Address	660 RATCLIFF LN, CEDAR BLUFF, VA 24609-8773
Document Number	0816/0238
Book / Page	0816 / 0238
Map Reference	PL 8 PG 113
Instrument Date	Mar 3, 2017
Instrument	1700453
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Tax	$256.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	660 RATCLIFF LN, CEDAR BLUFF, VA 24609-8773
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Russell County assessment roll, as of July 20, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,127.00	$367,400 (-) Land $30,000 Building $337,400	$367,400 (-) Land $30,000 Building $337,400
2025	$2,127.00 (+32.52%)	$367,400 (+44.13%) Land $30,000 Building $337,400	$367,400 (+44.13%) Land $30,000 Building $337,400
2023	$1,605.00	$254,900 Land $30,000 Building $224,900	$254,900 Land $30,000 Building $224,900

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 September 29, 2010 · 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	1 in force
Nearby Flood Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2002 · Severe Storms And 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

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

Wildfire Risk	High above 71% of the US · above 95% of Virginia
Wildfire Likelihood	0.3% 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: T-Mobile.

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