40 Utz Ln, Madison, VA 22727 Property Records

Madison County property record for 40 Utz Ln, Madison, VA 22727

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,885 sqft · built 1968
Lot Size	0.276 acres (12,023 sqft)
Owner	2 Individual Names on File
Last Sale	$169,500 (Dec 2016)
Tax Bill	$1,764 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-89C`

Property Details

APN / Parcel Number

Primary APN	`39-89C`
Alternative APN	`3388`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,885 sqft Living Area
1st Floor Area	1,421 sqft
Basement Area	1,421 sqft
Unfinished Basement	1,421 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	12,023 sqft (0.276 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Porch	Slab
Porch Area	528 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3388
Street Address	40 UTZ LN
City	MADISON
State	VA
Zip	22727-2883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	IN 210002422 0.276 AC 39-89C RT B-29
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	1
Census Block	1027
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	40 UTZ LN, MADISON, VA 22727-2883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU INC
Nov 29, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMESPIRE MORTGAGE CORP
Nov 29, 2021	Intrafamily Transfer, Transfer NOT AVAILABLE, BLUE RIDGE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2016 · Amount on File
Deed Sale	Dec 19, 2016 · Amount on File
Deed Document Number	20161686
Last Transfer Date	Nov 24, 2021
Transfer Doc	0000002422
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	40 UTZ LN, MADISON, VA 22727-2883
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000018
Date	Jan 6, 2023
Instrument	230000018

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	252 Months
Due	Jan 28, 2043

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	40 UTZ LN, MADISON, VA 22727-2883
Transaction Type	Mortgage
Record Updated	Dec 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002421
Date	Nov 29, 2021
Instrument	210002421

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON VA
Recording Date	Nov 29, 2021
Property Address	40 UTZ LN, MADISON, VA 22727-2883
Document Number	0210002422
Map Reference	MB 6 PG 178
Instrument Date	Nov 24, 2021
Instrument	210002422
Transaction Type	Transfer
Record Updated	Dec 14, 2023
Title Company	NOT AVAILABLE, BLUE RIDGE TITLE

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
Relationship	Tenants by the Entirety
Address	40 UTZ LN, MADISON, VA 22727-2883

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	$1,764.00 (+14.47%)	$332,900 (+59.82%) Land $52,000 Building $280,900	$332,900 (+59.82%) Land $52,000 Building $280,900
2023	$1,541.00	$208,300 Land $47,000 Building $161,300	$208,300 Land $47,000 Building $161,300

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	0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MADISON serves 784 people · EPA ID VA6113200
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2023
Treatment and Procedure	No certified operator Aug 2021
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

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
Virginia Broadband Fixed Wireless · not low latency	100 / 25

May also be available: Firefly Fiber Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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