1875 O'Neals Rd, Madison, VA 22727 Property Records

Madison County property record for 1875 O'Neals Rd, Madison, VA 22727

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,296 sqft · built 2022
Lot Size	3.47 acres (151,153 sqft)
Owner	2 Individual Names on Record
Last Sale	$508,000 (Jun 2025)
Tax Bill	$2,334 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`49-39A`

Property Details

APN / Parcel Number

Primary APN	`49-39A`
Alternative APN	`9771`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	151,153 sqft (3.47 acres)
Terrain	Rolling
Porch	Slab
Porch Area	160 sqft
Deck Area	35 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9771
Street Address	1875 ONEALS RD
City	MADISON
State	VA
Zip	22727-4455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	IN 230000372 3.470 AC 49-39A RT 626
Legal Subdivision	POPLAR RIDGE SUBDIVISION
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	1
Census Block	1017
Census Tract	930201

Owner

Source: Madison County records, as of April 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1875 ONEALS RD, MADISON, VA 22727-4455
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 5, 2023	Gift Deed, Transfer
Apr 5, 2023	Deed, Subdivision Related Transfer
Oct 13, 2022	Bargain and Sale Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Apr 5, 2023 · Amount on Record
Deed Document Number	2025758
Prior Transfer Date	Apr 4, 2023
Prior Transfer Doc	0000000373
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	1875 ONEALS RD, MADISON, VA 22727-4455
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1875 ONEALS RD, MADISON, VA 22727-4455

Mortgage

Document Number	0260000407
Date	Mar 24, 2026
Instrument	260000407

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	MADISON VA
Recording Date	Apr 5, 2023
Property Address	1875 ONEALS RD, MADISON, VA 22727-4455
Document Number	0230000373
Map Reference	MB 33 PG 89
Instrument Date	Apr 4, 2023
Instrument	230000373
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2023: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	MADISON VA
Recording Date	Apr 5, 2023
Property Address	1875 ONEALS RD, MADISON, VA 22727-4455
Document Number	0230000372
Instrument Date	Mar 31, 2023
Instrument	230000372
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2023

Transaction

Amount	Amount Recorded
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	1875 ONEALS RD, MADISON, VA 22727-4455

October 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MADISON VA
Recording Date	Oct 13, 2022
Property Address	1875 ONEALS RD, MADISON, VA 22727-4455
Document Number	0220001522
Map Reference	MB 33 PG 89
Instrument Date	Oct 12, 2022
Instrument	220001522
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18019 COUNTRY STORE DR, CULPEPER, VA 22701-8019
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Madison County assessment roll, as of September 15, 2025

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
2025	$2,334.00 (+9.63%)	$457,800 (+59.07%) Land $91,700 Building $366,100	$457,800 (+59.07%) Land $91,700 Building $366,100
2023	$2,129.00	$287,800 Land $76,800 Building $211,000	$287,800 Land $76,800 Building $211,000

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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