NOT LISTED FOR SALE

6771 Ruth Rd Madison, VA 22727

Estimated Value: $335,982

3 Beds
3 Baths
2,016 Sq Ft
$167/Sq Ft Est. Value

Sale Details

Date Sold: February 18, 2025

Last sale price $280,500 $139 Per Sq Ft

Est. 20% increase in value since last sale

Current estimated payment $2,018 / mo

2 Days on Market

Highlights

  • Home fronts navigable water
  • Fishing Allowed
  • Open Floorplan
  • Water Access
  • View of Trees or Woods
  • Lake Privileges

About This Home

As of February 2025

Adorable Chalet with Hdwd floors, Stone Fireplace in Liv rm, Separate Pellet Stove, Kitchen w/Island open to Family & Dining Rm, Master Bedroom, Mstr Bath. Finished Basement could possibly be in-law suite with Kitchenette & Full Bath. Paved Driveway, WhiteOak Lake access for fishing,swimming, boating etc. HOA fees $50.yr. 2 BR septic. Seller will review all offers Thursday Morning but must be in by Wednesday at 4pm.

Last Agent to Sell the Property

Bonnie Coffey

(703) 378-8810 bonniecoffeyrealestate@gmail.com Samson Properties Listed on: 01/12/2025

Samson Properties

Last Buyer's Agent

Keith Neeley

(866) 525-3466 lhrbroker@lakehomes.com Lake Homes Realty, LLC

Lake Homes Realty, LLC

Range of Values:

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Value Increase
--
Percent Increase
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Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,158

Year Built

  • Built in 1972 | Remodeled in 2013

Lot Details

  • 28,967 Sq Ft Lot
  • Home fronts navigable water
  • Back Yard Fenced
  • Landscaped
  • Wooded Lot
  • Backs to Trees or Woods
  • Property is in good condition
  • Property is zoned C1

HOA Fees

  • $4 Monthly HOA Fees

Property Views

  • Woods
  • Pasture
  • Mountain

Home Design

  • Chalet
  • Block Foundation
  • Asphalt Roof
  • Wood Siding

Interior Spaces

  • 2,016 Sq Ft Home
  • Property has 2 Levels
  • Open Floorplan
  • Wood Burning Stove
  • Self Contained Fireplace Unit Or Insert
  • Fireplace Mantel
  • Double Pane Windows
  • Window Treatments
  • Family Room Off Kitchen
  • Living Room
  • Finished Basement
  • Side Basement Entry
  • Fire and Smoke Detector

Kitchen

  • Kitchenette
  • Electric Oven or Range
  • Microwave
  • Dishwasher

Flooring

  • Wood
  • Carpet

Bedrooms and Bathrooms

Laundry

  • Laundry on lower level
  • Dryer
  • Washer

Parking

  • Paved Parking
  • Off-Street Parking

Outdoor Features

  • Water Access
  • Property is near a lake
  • Electric Motor Boats Only
  • Lake Privileges
  • Deck
  • Shed
  • Outbuilding

Utilities

  • Forced Air Heating and Cooling System
  • Heat Pump System
  • Well
  • Electric Water Heater
  • Septic Tank

Listing and Financial Details

  • Tax Lot 1
  • Assessor Parcel Number 38A 1 1 1

Community Details

Overview

  • White Oak Lake HOA
  • Whiteoak Lake Subdivision

Recreation

  • Fishing Allowed

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,158

Year Built

Built in 1972 | Remodeled in 2013

Lot Details

0.66 Acres

HOA Fees

$4 per month

Listing Details

  • Property Type: Residential
  • Structure Type: Detached
  • Architectural Style: Chalet
  • Ownership: Fee Simple
  • Historic: No
  • Inclusions: Parking Included In ListPrice,Parking Included In SalePrice
  • New Construction: No
  • Story List: Lower 1, Main, Upper 1
  • Expected On Market: 2025-01-12
  • Year Built: 1972
  • Year Renovated: 2013
  • Automatically Close On Close Date: Yes
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Appliances: Dishwasher, Microwave, Refrigerator, Oven/Range - Electric, Washer, Dryer
  • Flooring Type: Carpet, Hardwood
  • Interior Amenities: Combination Kitchen/Dining, Kitchenette, Combination Dining/Living, Family Room Off Kitchen, Window Treatments, Wood Floors, Floor Plan - Open
  • Window Features: Double Pane
  • Fireplace Features: Insert, Mantel(s)
  • Fireplaces Count: 1
  • Fireplace: Yes
  • Wall Ceiling Types: Dry Wall
  • Foundation Details: Block
  • Levels Count: 2
  • Room List: Living Room, Primary Bedroom, Bedroom 2, Kitchen, Family Room
  • Basement: Yes
  • Basement Type: Side Entrance, Fully Finished
  • Laundry Type: Lower Floor
  • Total Sq Ft: 2016
  • Living Area Sq Ft: 2016
  • Price Per Sq Ft: 136.41
  • Above Grade Finished Sq Ft: 2016
  • Above Grade Finished Area Units: Square Feet

Beds/Baths

  • Bedrooms: 3
  • All Lower Level Bedrooms: 1
  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Main Level Bathrooms: 1.00
  • Upper Level Bathrooms: 1
  • Lower Levels Bathrooms: 1
  • Upper Level Bathrooms: 1.00
  • Lower Levels Bathrooms: 1.00
  • Main Level Full Bathrooms: 1
  • Lower Level Full Bathrooms: 1

Exterior Features

  • Other Structures: Above Grade
  • Other Structures List: Shed
  • Construction Materials: Wood Siding
  • Exterior Features: Outbuilding(s)
  • Road Surface Type: Black Top
  • Roof: Asphalt
  • Spa: No
  • View: Trees/Woods, Street, Mountain, Pasture
  • Water Access Features: Fishing Allowed, Boat - Electric Motor Only
  • Water Access: Yes
  • Water Body Name: WHITEOAK LAKE
  • Water Body Type: Lake
  • Waterfront: No
  • Water Oriented: Yes
  • Pool: No Pool
  • Tidal Water: No
  • Water View: No

Garage/Parking

  • Garage: No
  • Parking Features: Paved Parking, Paved Driveway
  • Type Of Parking: Off Street

Utilities

  • Central Air Conditioning: Yes
  • Cooling Fuel: Electric
  • Cooling Type: Central A/C
  • Heating Fuel: Electric, Wood
  • Heating Type: Heat Pump(s), Wood Burn Stove, Forced Air
  • Heating: Yes
  • Hot Water: Electric
  • Security: Smoke Detector
  • Sewer/Septic System: Septic Exists
  • Water Source: Well

Condo/Co-op/Association

  • HOA Fees: 50.00
  • HOA Fee Frequency: Annually
  • Condo Co-Op Association: No
  • HOA Condo Co-Op Amenities: Water/Lake Privileges
  • HOA Name: WHITE OAK LAKE
  • HOA: Yes
  • Senior Community: No

Schools

  • School District Source: Listing Agent

Lot Info

  • Horses: No
  • Additional Parcels: No
  • Fencing: Rear
  • Lot Features: Trees/Wooded, Landscaping, Backs To Trees
  • Lot Size Acres: 0.66
  • Lot Size Units: Square Feet
  • Lot Sq Ft: 28967.00
  • Outdoor Living Structures: Deck(s)
  • Property Condition: Good
  • Zoning: C1
  • In City Limits: No

Rental Info

  • Lease Considered: No
  • Vacation Rental: No

Tax Info

  • Tax Annual Amount: 1157.76
  • Assessor Parcel Number: 38A 1 1 1
  • Tax Lot: 1
  • County Tax Payment Frequency: Annually
  • Tax Year: 2013

MLS Schools

  • School District Name: MADISON COUNTY PUBLIC SCHOOLS

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Jan 12, 2025
Closed on
Feb 13, 2025
Sold by
Sowers Ashley N and Berry Ashley N
Bought by
Seller's Agent
Bonnie Coffey
Samson Properties
Buyer's Agent
Keith Neeley
Lake Homes Realty, LLC
List Price
$275,000
Sold Price
$280,500
Premium/Discount to List
$5,500
2%
Views
181
Current Estimated Value
$335,982

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$55,482
Avg. Annual Appreciation
12.10%
Original Mortgage
$250,425
Outstanding Balance
$246,489
Interest Rate
6.93%
Mortgage Type
New Conventional
Estimated Equity
$89,493

Purchase Details

Closed on
Dec 14, 2018
Sold by
Settle Richard A
Bought by
Settle Richard A and Sowers Ashley N

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$119,047
Interest Rate
5.12%
Mortgage Type
FHA

Purchase Details

Listed on
Aug 1, 2014
Closed on
Dec 22, 2014
Sold by
Landis Todd W
Bought by
Settle Richard A
Seller's Agent
Bonnie Coffey
Samson Properties
Buyer's Agent
Bonnie Coffey
Samson Properties
List Price
$149,900
Sold Price
$134,000
Premium/Discount to List
-$15,900
-10.61%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.14%
Original Mortgage
$122,000
Interest Rate
4.02%
Mortgage Type
New Conventional
Source: Public Records

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$280,500 First American Title
Settle Richard A -- None Available
Settle Richard A $134,000 None Available
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $250,425
Previous Owner Settle Richard A $6,490
Previous Owner Settle Richard A $119,047
Previous Owner Settle Richard A $122,000
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft
02/18/2025 02/18/25 Sold $280,500 +2.0% $139 / Sq Ft
01/15/2025 01/15/25 Pending -- -- --
01/12/2025 01/12/25 For Sale $275,000 -- $136 / Sq Ft
Source: Bright MLS

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2026 $1,815 $342,500 $67,000 $275,500
2025 $1,747 $342,500 $67,000 $275,500
2024 $1,500 $202,700 $47,000 $155,700
2023 $1,500 $202,700 $47,000 $155,700
2022 $1,500 $202,700 $47,000 $155,700
2021 $1,500 $202,700 $47,000 $155,700
2020 $1,439 $202,700 $47,000 $155,700
2019 $1,419 $202,700 $47,000 $155,700
2018 $1,175 $172,800 $42,500 $130,300
2017 -- $172,800 $42,500 $130,300
2016 -- $172,800 $42,500 $130,300
2015 -- $172,800 $42,500 $130,300
2014 -- $172,800 $42,500 $130,300
Source: Public Records

Agents Affiliated with this Home

  • Bonnie Coffey Real Estate Agent - Samson Properties

    Seller's Agent in 2025

    Bonnie Coffey

    Samson Properties

    (540) 270-5362

    52 Total Sales

    Bonnie Coffey
    Section Image
  • Keith Neeley Real Estate Agent - Lake Homes Realty, LLC

    Buyer's Agent in 2025

    Keith Neeley

    Lake Homes Realty, LLC

    (540) 661-7391

    76 Total Sales

    Keith Neeley
    Section Image
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Map

Source: Bright MLS

MLS Number: VAMA2002006

Bright MLS

APN: 38A-1-1-1

Virginia Madison County Madison 22727

6771 Ruth Rd, Madison, VA

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