95 Ray Ridge Ln, Independence, VA 24348 Property Records

Grayson County property record for 95 Ray Ridge Ln, Independence, VA 24348

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,415 sqft · built 2005
Lot Size	39.7 acres (1,733,126 sqft)
Owner	Individual Name on File
Tax Bill	$2,137 (2025)
Deeds & Mortgages	Jun 2021 Refinance Jun 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`72-A-158A`

Property Details

APN / Parcel Number

Primary APN	`72-A-158A`
Alternative APN	`10666`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,415 sqft Living Area
Gross Area	5,004 sqft
1st Floor Area	3,795 sqft
Basement Area	1,380 sqft
Unfinished Basement	1,380 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2017
Roof Type	Gable
Roof Material	Metal
Lot Area	1,733,126 sqft (39.7 acres)
Terrain	Rolling
Porch	Slab
Porch Area	656 sqft
Deck Area	304 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater
Heating Fuel	Wood
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	10666
Street Address	95 RAY RIDGE LN
City	INDEPENDENCE
State	VA
Zip	24348-4090
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Description	39.7871 72-A-158A
Jurisdiction	GRAYSON VA
Township / Civil Division	ELK CREEK
Census Block Group	2
Census Block	2022
Census Tract	60202

Owner

95 Ray Ridge Ln is owned and occupied by an individual who acquired it in May 2021.

Source: Grayson County records, as of June 1, 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	Individual Name on File
Mailing Address	95 RAY RIDGE LN, INDEPENDENCE, VA 24348-4090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Jun 3, 2021	Intrafamily Transfer, Transfer · Stand-Alone Refinance NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 28, 2021
Transfer Doc	000656/281
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAYSON VA
Property Address	95 RAY RIDGE LN, INDEPENDENCE, VA 24348-4090
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000656/284
Date	Jun 3, 2021
Book Page	656/284
Instrument	210001212

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GRAYSON VA
Recording Date	Jun 3, 2021
Property Address	95 RAY RIDGE LN, INDEPENDENCE, VA 24348-4090
Document Number	656/281
Book / Page	656 / 281
Instrument Date	May 28, 2021
Instrument	210001211
Transaction Type	Transfer
Record Updated	Jul 7, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 RAY RIDGE LN, INDEPENDENCE, VA 24348-4090

Mortgage

Document Number	656/284
Date	Jun 3, 2021
Book Page	656/284
Instrument	210001212

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 95 Ray Ridge Ln was $2,137.

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	$2,137.00	$368,600 Land $171,600 Building $197,000	$368,600 Land $171,600 Building $197,000
2023	$2,206.00	$368,600 Land $171,600 Building $197,000	$368,600 Land $171,600 Building $197,000

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

Flood

FEMA maps place 95 Ray Ridge Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 95 Ray Ridge Ln is moderate, ranking above 54% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · above 83% of Virginia
Wildfire Likelihood	0.1% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
GigaBeam Networks Fixed Wireless · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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