Madison County property record for 173 Spring Oak Ln, Madison, VA 22727
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,256 sqft · built 2005 |
| Lot Size | 15.9 acres (694,477 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,686 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-39 |
| Primary APN | 21-39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,256 sqft Living Area |
| 1st Floor Area | 2,160 sqft |
| Basement Area | 1,104 sqft |
| Finished Basement | 1,104 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 694,477 sqft (15.9 acres) |
| Terrain | Rolling |
| Garage Area | 667 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 216 sqft |
| Deck Area | 192 sqft |
| Balcony Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 8453 |
|---|---|
| Street Address | 173 SPRING OAK LN |
| City | MADISON |
| State | VA |
| Zip | 22727-3955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN 200001373 15.943 AC 21-39 RT 674 |
| Jurisdiction | MADISON VA |
| Township / Civil Division | ROBERTSON |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 930202 |
173 Spring Oak Ln is owned and occupied by two individuals.
Source: Madison County records, as of August 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 173 SPRING OAK LN, MADISON, VA 22727-3955 |
| 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 |
|---|---|
| Aug 20, 2026 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Recording Date | Aug 20, 2026 |
| Property Address | 173 SPRING OAK LN, MADISON, VA 22727-3955 |
| Document Number | 0000001195 |
| Instrument Date | Aug 15, 2026 |
| Instrument | 20261195 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 173 SPRING OAK LN, MADISON, VA 22727-3955 |
| Document Number | 0000001195, |
|---|---|
| Date | Aug 20, 2026 |
| Instrument | 20261195 |
| Name | SPRING EQ LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 173 SPRING OAK LN, MADISON, VA 22727-3955 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0200002138 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 200002138 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 173 Spring Oak Ln was $3,686.
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 | $3,686.00 | $695,500 Land $225,300 Building $470,200 | $695,500 Land $225,300 Building $470,200 |
| 2023 | $3,489.00 | $471,500 Land $162,600 Building $308,900 | $471,500 Land $162,600 Building $308,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 173 Spring Oak Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 173 Spring Oak Ln is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · above 60% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Virginia Broadband Fixed Wireless · not low latency | 100 / 25 |
No cell data coverage reported
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