1769 O'Neals Rd, Madison, VA 22727 Property Records

Madison County property record for 1769 O'Neals Rd, Madison, VA 22727

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2016
Lot Size	2.04 acres (89,037 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Jul 2021)
Tax Bill	$2,187 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`49-39C`

Property Details

APN / Parcel Number

Primary APN	`49-39C`
Alternative APN	`9773`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	89,037 sqft (2.04 acres)
Terrain	Rolling
Porch	Slab
Porch Area	224 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9773
Street Address	1769 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 210001523 2.044 AC 49-39C OFF RT 626
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	1
Census Block	1017
Census Tract	930201

Owner

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	2 Individual Names on File
Mailing Address	1769 ONEALS RD, MADISON, VA 22727-4425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · FHA Mortgage CBM MORTGAGE INC
Jun 8, 2023	Deed of Trust, Mortgage · Line of Credit HUD
Mar 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNION MORTGAGE GROUP INC
Apr 26, 2017	Correction Deed OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Mar 20, 2017	Deed, Transfer OLD REPUBLIC NATIONAL TITLE
Mar 20, 2017	Warranty Deed, Transfer · Conventional Mortgage UNION MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on File
Deed Sale	Jul 20, 2021 · Amount on File
Prior Sale	Apr 26, 2017 · Amount on File
Deed Document Number	20211523
Prior Transfer Date	Feb 11, 2011
Prior Transfer Doc	0000000628
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1769 ONEALS RD, MADISON, VA 22727-4425
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001524
Date	Jul 20, 2021
Instrument	210001524

Lender

Name	CBM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1769 ONEALS RD, MADISON, VA 22727-4425
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000658
Date	Jun 8, 2023
Instrument	230000658

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	336 Months
Due	Aug 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1769 ONEALS RD, MADISON, VA 22727-4425
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	170000404
Date	Mar 20, 2017
Instrument	170000404

Lender

Name	UNION MORTGAGE GROUP INC
Type	Mortgage Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

April 2017: Correction Deed

Document Type	Correction Deed
Jurisdiction	MADISON VA
Recording Date	Apr 26, 2017
Property Address	1769 ONEALS RD, MADISON, VA 22727-4425
Document Number	0170000599
Map Reference	MB 33 PG 89
Instrument Date	Apr 12, 2017
Instrument	170000599
Record Updated	Dec 14, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1769 ONEALS RD, MADISON, VA 22727-4425

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON VA
Recording Date	Mar 20, 2017
Property Address	1769 ONEALS RD, MADISON, VA 22727-4425
Document Number	170000403
Instrument Date	Mar 16, 2017
Instrument	170000403
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1769 ONEALS RD, MADISON, VA 22727-4425

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON VA
Recording Date	Mar 20, 2017
Property Address	1769 ONEALS RD, MADISON, VA 22727-4425
Document Number	0170000403
Instrument Date	Mar 16, 2017
Instrument	170000403
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1769 ONEALS RD, MADISON, VA 22727-4425

Mortgage

Document Number	0170000404
Date	Mar 20, 2017
Instrument	170000404

Lender

Name	UNION MORTGAGE GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	0170000405
Date	Mar 20, 2017
Instrument	170000405

Lender

Name	UNION MORTGAGE GROUP INC
Type	Mortgage Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2022

Tax Assessment & Valuation

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	$2,187.00 (+19.25%)	$412,700 (+66.48%) Land $77,400 Building $335,300	$412,700 (+66.48%) Land $77,400 Building $335,300
2023	$1,834.00	$247,900 Land $65,400 Building $182,500	$247,900 Land $65,400 Building $182,500

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

Flood

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

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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