86 Cedar Creek Ln, Independence, VA 24348 Property Records

Grayson County property record for 86 Cedar Creek Ln, Independence, VA 24348

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,275 sqft · built 1970
Lot Size	4.63 acres (201,683 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2026)
Tax Bill	$790 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`34A-1-12`

Property Details

APN / Parcel Number

Primary APN	`34A-1-12`
Alternative APN	`9189`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,275 sqft Living Area
Gross Area	2,354 sqft
1st Floor Area	2,125 sqft
Sunroom	Sunroom
Flooring	Vinyl/Resilient
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	201,683 sqft (4.63 acres)
Terrain	Rolling
Deck Area	50 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	9189
Street Address	86 CEDAR CREEK LN
City	INDEPENDENCE
State	VA
Zip	24348-4621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Description	4.63 34A-1-12
Legal Tract	12
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	2
Census Block	2054
Census Tract	60202

Owner

Source: Grayson County records, as of September 2, 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 Record
Mailing Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage BANK OF MARION
Jan 12, 2026	Transfer on Death Deed, Transfer
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage USAA FEDERAL SAVINGS BANK
Apr 22, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST TENNESSEE BANK NATIONAL ASSOC
Jul 19, 2018	Warranty Deed, Transfer · Closed-End Mortgage SKYLINE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Sep 12, 2022 · Amount on Record
Deed Document Number	20261355
Deed Book / Page	722 / 443
Prior Transfer Date	Dec 22, 2025
Prior Transfer Doc	000715/565
Record Updated	Oct 29, 2026

July 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	GRAYSON VA
Recording Date	Jul 31, 2026
Property Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621
Document Number	0000001355
Book / Page	722 / 443
Instrument Date	Jul 28, 2026
Instrument	20261355
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,280.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621

Mortgage

Document Number	0000001356,
Date	Jul 31, 2026
Instrument	20261356

Lender

Name	BANK OF MARION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2056

Interest

Rate Type	Fixed Rate
Rate	6.69%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	GRAYSON VA
Recording Date	Jan 12, 2026
Property Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621
Document Number	000715/565
Book / Page	715 / 565
Map Reference	MB 675 PG 418
Instrument Date	Dec 22, 2025
Instrument	260000066
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Sep 12, 2022
Property Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621
Document Number	000675/418
Book / Page	675 / 418
Instrument Date	Sep 12, 2022
Instrument	220002060
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	NEW CENTURY TITLE AND SETTLEMENT, NEW CENTURY TITLE & STLMNT

Transaction

Amount	Amount Recorded
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	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621

Mortgage

Document Number	0220002061
Date	Sep 12, 2022
Instrument	220002061

Lender

Name	USAA FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Apr 22, 2019
Property Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621
Document Number	000628/699
Book / Page	628 / 699
Instrument Date	Apr 22, 2019
Instrument	190000605
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	70 PEACHTREE ST, NASHVILLE, TN 37210-5052

Mortgage

Document Number	0190000606
Date	Apr 22, 2019
Instrument	190000606

Lender

Name	FIRST TENNESSEE BANK NATIONAL ASSOC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAYSON VA
Recording Date	Jul 19, 2018
Property Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621
Document Number	000620/875
Book / Page	620 / 875
Instrument Date	Jul 18, 2018
Instrument	180001369
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	86 CEDAR CREEK LN, INDEPENDENCE, VA 24348-4621

Mortgage

Document Number	0180001370
Date	Jul 19, 2018
Instrument	180001370

Lender

Name	SKYLINE NATIONAL BANK

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Grayson County assessment roll, as of June 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$790.00 (+7.34%)	$136,300 (-) Land $36,300 Building $100,000	$136,300 (-) Land $36,300 Building $100,000
2024	$736.00 (-22.69%)	$136,300 (-) Land $36,300 Building $100,000	$136,300 (-) Land $36,300 Building $100,000
2023	$952.00	$136,300 Land $36,300 Building $100,000	$136,300 Land $36,300 Building $100,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 28, 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

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	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.06% 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 11 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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