318 Gibbs Rd, Madison, VA 22727 Property Records

Madison County property record for 318 Gibbs Rd, Madison, VA 22727

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,688 sqft · built 1968
Lot Size	0.471 acres (20,556 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Nov 2022)
Tax Bill	$2,127 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48A-(1)-49`

Property Details

APN / Parcel Number

Primary APN	`48A-(1)-49`
Alternative APN	`3738`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,688 sqft Living Area
1st Floor Area	1,688 sqft
Basement Area	1,688 sqft
Finished Basement	1,688 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,556 sqft (0.471 acres)
Terrain	Rolling
Garage Area	825 sqft
Driveway	Driveway
Parking Spaces	3 Parking Spaces
Patio Area	64 sqft
Shed	1 Shed
Shed Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	3738
Street Address	318 GIBBS RD
City	MADISON
State	VA
Zip	22727-2579
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	IN 220001668 0.000 AC 48A(1)-49 RT 626
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	2
Census Block	2001
Census Tract	930102

Owner

318 Gibbs Rd is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	318 GIBBS RD, MADISON, VA 22727-2579
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Oct 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage HUD
Nov 10, 2022	Bargain and Sale Deed, Transfer · Line of Credit LOWER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2022 · Amount on File
Deed Sale	Nov 10, 2022 · Amount on File
Deed Document Number	20221668
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Recording Date	Jul 16, 2026
Property Address	318 GIBBS RD, MADISON, VA 22727-2579
Document Number	0000001021
Instrument Date	Jun 29, 2026
Instrument	20261021
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11590 CEDAR CHASE RD, HERNDON, VA 20170-2474

Mortgage

Document Number	0000001021,
Date	Jul 16, 2026
Instrument	20261021

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	317 Months
Due	Dec 1, 2052

Interest

Rate	6.53%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	318 GIBBS RD, MADISON, VA 22727-2579
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001268
Date	Oct 12, 2023
Instrument	230001268

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Dec 1, 2052

November 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	MADISON VA
Recording Date	Nov 10, 2022
Property Address	318 GIBBS RD, MADISON, VA 22727-2579
Document Number	0220001668
Map Reference	MB 4 PG 176
Instrument Date	Nov 9, 2022
Instrument	220001668
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 GIBBS RD, MADISON, VA 22727-2579

Mortgage

Document Number	0220001669
Date	Nov 10, 2022
Instrument	220001669

Lender

Name	LOWER LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 318 Gibbs Rd was $2,127.

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	$2,127.00	$401,400 Land $62,000 Building $339,400	$401,400 Land $62,000 Building $339,400
2023	$1,868.00	$252,500 Land $52,000 Building $200,500	$252,500 Land $52,000 Building $200,500

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

Flood

FEMA maps place 318 Gibbs 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	1 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 318 Gibbs Rd is low, with a 0.01% 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	0.01% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: T-Mobile.

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