797 Ratcliff Ln, Cedar Bluff, VA 24609 Property Records

Russell County property record for 797 Ratcliff Ln, Cedar Bluff, VA 24609

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,196 sqft · built 1985
Lot Size	2.36 acres (103,063 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Aug 2024)
Tax Bill	$998 (2026)
Deeds & Mortgages	Jun 2021 Refinance Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`37L ID 5`

Property Details

APN / Parcel Number

Primary APN	`37L ID 5`
Alternative APN	`101`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Basement Area	2,392 sqft
Unfinished Basement	2,392 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	103,063 sqft (2.36 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	110 sqft
Deck Area	144 sqft
Shed	1 Shed
Shed Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	101
Street Address	797 RATCLIFF LN
City	CEDAR BLUFF
State	VA
Zip	24609-8760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RATCLIFF SUBV
Legal Subdivision	RATCLIFF SUBV
Jurisdiction	RUSSELL VA
Township / Civil Division	LEBANON
Census Block Group	2
Census Block	2007
Census Tract	30402

Owner

Source: Russell County assessment roll, APN 37L ID 5, as of July 20, 2026 · Last verified July 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 File
Mailing Address	797 RATCLIFF LN, CEDAR BLUFF, VA 24609-8760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC UNION BANK
Jun 28, 2021	Deed, Transfer · Stand-Alone Refinance ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 27, 2024 · Amount on Record
Deed Sale	Aug 27, 2024 · Amount on Record
Prior Sale	Jun 28, 2021 · Amount on Record
Deed Document Number	20241552
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RUSSELL VA
Property Address	797 RATCLIFF LN, CEDAR BLUFF, VA 24609-8760
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002101490
Date	Jun 28, 2021
Instrument	2101490

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	RUSSELL VA
Recording Date	Jun 28, 2021
Property Address	797 RATCLIFF LN, CEDAR BLUFF, VA 24609-8760
Document Number	2101489
Instrument Date	Jun 28, 2021
Instrument	2101489
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration 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	797 RATCLIFF LN, CEDAR BLUFF, VA 24609-8760

Mortgage

Document Number	2101490
Date	Jun 28, 2021
Instrument	2101490

Lender

Name	ATLANTIC UNION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$998.00 (+22.91%)	$172,500 (+33.72%) Land $31,500 Building $141,000	$172,500 (+33.72%) Land $31,500 Building $141,000
2023	$812.00	$129,000 Land $31,500 Building $97,500	$129,000 Land $31,500 Building $97,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Russell County (51167C), as of September 29, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 511670304022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	High above 71% of the US · above 95% of Virginia
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 25 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

May also be available: T-Mobile USA.

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