115 Circle Rd, Stanardsville, VA 22973 Property Records

Madison County property record for 115 Circle Rd, Stanardsville, VA 22973

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 684 sqft · built 1971
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Feb 2022)
Tax Bill	$802 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35A-1-3-22`

Property Details

APN / Parcel Number

Primary APN	`35A-1-3-22`
Alternative APN	`1693`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	684 sqft Living Area
1st Floor Area	288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1693
Street Address	115 CIRCLE RD
City	STANARDSVILLE
State	VA
Zip	22973-3903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C1
Legal Description	IN 220000301 0.800 AC 35A(1)-3-22 MIDDLE RIVER
Legal Subdivision	MADISON RIVER RETREAT
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	2
Census Block	2062
Census Tract	930202

Owner

115 Circle Rd is owned by an individual who bought it in February 2022.

Source: Madison County records, as of August 28, 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	PO BOX 1304, STANARDSVILLE, VA 22973-1304
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FULTON BANK NA
Nov 21, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FULTON BANK NA
Nov 21, 2025	Deed, Transfer · Conventional Mortgage FULTON BANK NA
Feb 28, 2022	Bargain and Sale Deed, Construction Loan · Construction Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2022 · Amount on File
Deed Sale	Feb 28, 2022 · Amount on File
Prior Sale	Mar 23, 2005 · Amount on File
Deed Document Number	2022301
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	115 CIRCLE RD, STANARDSVILLE, VA 22973-3903
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250001535
Date	Nov 21, 2025
Instrument	250001535

Lender

Name	FULTON BANK NA
Type	Bank
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	115 CIRCLE RD, STANARDSVILLE, VA 22973-3903
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250001534
Date	Nov 21, 2025
Instrument	250001534

Lender

Name	FULTON BANK NA
Type	Bank
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON VA
Recording Date	Nov 21, 2025
Property Address	115 CIRCLE RD, STANARDSVILLE, VA 22973-3903
Document Number	0250001532
Instrument Date	Nov 18, 2025
Instrument	250001532
Transaction Type	Transfer
Record Updated	Dec 16, 2025
Title Company	LAKESIDE TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CIRCLE RD, STANARDSVILLE, VA 22973-3903

Mortgage

Document Number	0250001533
Date	Nov 21, 2025
Instrument	250001533

Lender

Name	FULTON BANK NA
Type	Bank
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

February 2022: Bargain and Sale Deed, Construction Loan

Document Type	Bargain and Sale Deed
Jurisdiction	MADISON VA
Recording Date	Feb 28, 2022
Property Address	115 CIRCLE RD, STANARDSVILLE, VA 22973-3903
Document Number	0220000301
Map Reference	MB 100 PG 139-140
Instrument Date	Feb 23, 2022
Instrument	220000301
Transaction Type	Construction Loan
Record Updated	Dec 14, 2023
Title Company	CLOSURE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CIRCLE RD, STANARDSVILLE, VA 22973-3903

Mortgage

Document Number	0220000302
Date	Feb 28, 2022
Instrument	220000302

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 115 Circle Rd was $802, up 3.9% from the year before.

Source: Madison County assessment roll, as of August 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$802.00 (+3.89%)	$151,400 (-) Land $52,000 Building $99,400	$151,400 (-) Land $52,000 Building $99,400
2025	$772.00	$151,400 Land $52,000 Building $99,400	$151,400 Land $52,000 Building $99,400
2023	$552.00	$74,700 Land $42,000 Building $32,700	$74,700 Land $42,000 Building $32,700

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

Flood

FEMA maps place 115 Circle 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	8 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 115 Circle Rd is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 71% of Virginia
Wildfire Likelihood	0.07% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

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

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