Madison County property record for 1099 O'Neals Rd, Madison, VA 22727
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,801 sqft · built 2004 |
| Lot Size | 4.03 acres (175,895 sqft) |
| Owner | Individual Name on File |
| Last Sale | $495,000 (Nov 2019) |
| Tax Bill | $3,981 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-44F |
| Primary APN | 48-44F |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,801 sqft Living Area |
| 1st Floor Area | 2,324 sqft |
| Basement Area | 398 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 175,895 sqft (4.03 acres) |
| Terrain | Rolling |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 433 sqft |
| Patio Area | 364 sqft |
| Shed | 1 Shed |
| Shed Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 8165 |
|---|---|
| Street Address | 1099 ONEALS RD |
| City | MADISON |
| State | VA |
| Zip | 22727-4411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | IN 190001628 4.038 AC 48-44F RT 626 |
| Jurisdiction | MADISON VA |
| Township / Civil Division | RAPIDAN |
| Census Block Group | 1 |
| Census Block | 1081 |
| Census Tract | 930201 |
1099 O'Neals Rd is owned and occupied by an individual who bought it in November 2019.
Source: Madison County records, as of August 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1099 ONEALS RD, MADISON, VA 22727-4411 |
| 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.
| Date | Document |
|---|---|
| Mar 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK |
| Nov 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage NFM INC |
| Apr 17, 2018 | Deed, Transfer OLD REPUBLIC TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2019 · Amount on File |
| Deed Sale | Nov 13, 2019 · Amount on File |
| Prior Sale | Apr 17, 2018 · Amount on File |
| Deed Document Number | 20191628 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 1099 ONEALS RD, MADISON, VA 22727-4411 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0210000572 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 210000572 |
| Name | WELLS FARGO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON VA |
| Recording Date | Nov 13, 2019 |
| Property Address | 1099 ONEALS RD, MADISON, VA 22727-4411 |
| Document Number | 0190001628 |
| Instrument Date | Nov 11, 2019 |
| Instrument | 190001628 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1099 ONEALS RD, MADISON, VA 22727-4411 |
| Investor | Possibly a Property Investor |
| Document Number | 0190001629 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | 190001629 |
| Name | NFM INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON VA |
| Recording Date | Apr 17, 2018 |
| Property Address | 1099 ONEALS RD, MADISON, VA 22727-4411 |
| Document Number | 0180000452 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 180000452 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $140.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1099 ONEALS RD, MADISON, VA 22727-4411 |
The 2026 property tax bill for 1099 O'Neals Rd was $3,981.
Source: Madison County assessment roll, as of August 28, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Madison County |
| Unified School District | Madison County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,981.00 | $751,300 Land $102,400 Building $648,900 | $751,300 Land $102,400 Building $648,900 |
| 2023 | $3,760.00 | $508,200 Land $86,300 Building $421,900 | $508,200 Land $86,300 Building $421,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1099 O'Neals Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 29, 2025 · 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 | 4 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 risk around 1099 O'Neals Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Virginia Broadband Fixed Wireless · not low latency | 100 / 25 |
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