7909 Bear Ridge Rd SE, Copper Hill, VA 24079 Property Records

Floyd County property record for 7909 Bear Ridge Rd SE, Copper Hill, VA 24079

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,096 sqft · built 1935
Lot Size	2.62 acres (114,127 sqft)
Owner	Individual Name on File
Last Sale	$225,200 (Jun 2020)
Tax Bill	$1,232 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-98A`

Property Details

APN / Parcel Number

Primary APN	`10-98A`
Alternative APN	`R003039`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,096 sqft Living Area
Basement Area	784 sqft
Unfinished Basement	784 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Multi-Family
Exterior Material	Brick
Lot Area	114,127 sqft (2.62 acres)

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	R003039
Street Address	7909 BEAR RIDGE RD SE
City	COPPER HILL
State	VA
Zip	24079-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LITTLE RIVER
Legal Subdivision	LITTLE RIVER
Jurisdiction	FLOYD VA
Township / Civil Division	LOCUST GROVE
Census Block Group	1
Census Block	1016
Census Tract	920102

Owner

7909 Bear Ridge Rd SE is owned and occupied by an individual who bought it in June 2020.

Source: Floyd County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	7909 BEAR RIDGE RD SE, COPPER HILL, VA 24079-2225
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 24, 2020	Warranty Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES INC
Nov 20, 2019	Special Warranty Deed, Transfer · Balloon Mortgage THE FIRST BANK AND TRUST COMPANY
Nov 1, 2017	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2020 · Amount on File
Deed Sale	Jun 24, 2020 · Amount on File
Prior Sale	Nov 20, 2019 · Amount on File
Deed Document Number	20201167
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLOYD VA
Recording Date	Jun 24, 2020
Property Address	7909 BEAR RIDGE RD SE, COPPER HILL, VA 24079-2225
Document Number	0200001167
Instrument Date	Jun 22, 2020
Instrument	200001167
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER LLC

Transaction

Amount	Amount on Record
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
Address	7909 BEAR RIDGE RD SE, COPPER HILL, VA 24079-2225

Mortgage

Document Number	0200001168
Date	Jun 24, 2020
Instrument	200001168

Lender

Name	RESIDENTIAL MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLOYD VA
Recording Date	Nov 20, 2019
Property Address	7909 BEAR RIDGE RD SE, COPPER HILL, VA 24079-2225
Document Number	0190001954
Instrument Date	Nov 6, 2019
Instrument	190001954
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount 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
Address	119 PINE SPRINGS DR SE, COPPER HILL, VA 24079-4500

Mortgage

Document Number	0190001955
Date	Nov 20, 2019
Instrument	190001955

Lender

Name	THE FIRST BANK AND TRUST COMPANY

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	276 Months
Due	Nov 1, 2042

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLOYD VA
Recording Date	Nov 1, 2017
Property Address	7909 BEAR RIDGE RD SE, COPPER HILL, VA 24079-2225
Document Number	0170001913
Instrument Date	Oct 30, 2017
Instrument	170001913
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	VIRGINIA TITLE CTR LLC, VIRGINIA TITLE CENTER

Transaction

Amount	Amount on Record
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
Address	7909 BEAR RIDGE RD SE, COPPER HILL, VA 24079-2225

Mortgage

Document Number	0170001914
Date	Nov 1, 2017
Instrument	170001914

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 7909 Bear Ridge Rd SE was $1,232, up 4.6% from the year before.

Source: Floyd County assessment roll, as of June 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,232.00 (+4.58%)	$267,900 Land $53,000 Building $214,900
2025	$1,178.00		$267,900 Land $53,000 Building $214,900

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

Flood

FEMA maps place 7909 Bear Ridge Rd SE in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective April 16, 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	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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 7909 Bear Ridge Rd SE is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 93% of Virginia
Wildfire Likelihood	0.2% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Citizens Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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