1765 O'Neals Rd, Madison, VA 22727 Property Records

Madison County property record for 1765 O'Neals Rd, Madison, VA 22727

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,553 sqft · built 2015
Lot Size	2.53 acres (110,294 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Nov 2015)
Tax Bill	$2,262 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`49-39B`

Property Details

APN / Parcel Number

Primary APN	`49-39B`
Alternative APN	`9772`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,553 sqft Living Area
1st Floor Area	1,553 sqft
Basement Area	1,553 sqft
Unfinished Basement	1,553 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	110,294 sqft (2.53 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	228 sqft
Deck Area	30 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	9772
Street Address	1765 ONEALS RD
City	MADISON
State	VA
Zip	22727-4425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	IN 150001582 2.532 AC 49-39B RT 626
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	1
Census Block	1017
Census Tract	930201

Owner

1765 O'Neals Rd is owned and occupied by two individuals who bought it in November 2015.

Source: Madison County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1765 ONEALS RD, MADISON, VA 22727-4425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit FULTON BANK NA
Oct 10, 2025	Gift Deed, Transfer
Aug 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2015 · Amount on File
Deed Sale	Nov 12, 2015 · Amount on File
Prior Sale	Apr 21, 2015 · Amount on File
Deed Document Number	20151582
Prior Transfer Date	Feb 11, 2011
Prior Transfer Doc	0000000628
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1765 ONEALS RD, MADISON, VA 22727-4425
Transaction Type	Mortgage
Record Updated	Oct 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 ONEALS RD, MADISON, VA 22727-4425

Mortgage

Document Number	0250001223
Date	Sep 23, 2025
Instrument	250001223

Lender

Name	FULTON BANK NA
Type	Bank
Address	HENRICO, VA 23294

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	MADISON VA
Recording Date	Oct 10, 2025
Property Address	1765 ONEALS RD, MADISON, VA 22727-4425
Document Number	0250001312
Map Reference	MB 33 PG 89
Instrument Date	Oct 10, 2025
Instrument	250001312
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1765 ONEALS RD, MADISON, VA 22727-4425

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1765 ONEALS RD, MADISON, VA 22727-4425

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1765 ONEALS RD, MADISON, VA 22727-4425
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0180000983
Date	Aug 1, 2018
Instrument	180000983

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1765 ONEALS RD, MADISON, VA 22727-4425
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0200000265
Date	Feb 24, 2020
Instrument	200000265

Lender

Name	PRIMELENDING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1765 ONEALS RD, MADISON, VA 22727-4425
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000005
Date	Jan 4, 2021
Instrument	210000005

Lender

Name	RIVER CITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1765 O'Neals Rd was $2,262, 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	$2,262.00 (+3.9%)	$426,900 (-) Land $82,300 Building $344,600	$426,900 (-) Land $82,300 Building $344,600
2025	$2,177.00	$426,900 Land $82,300 Building $344,600	$426,900 Land $82,300 Building $344,600
2023	$2,043.00	$276,100 Land $74,300 Building $201,800	$276,100 Land $74,300 Building $201,800

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

Flood

FEMA maps place 1765 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

Wildfire risk around 1765 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Firefly Fiber Broadband Fiber	1,000 / 1,000
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G (outdoors only) and 4G LTE

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