403 S Main St, Madison, VA 22727 Property Records

Madison County property record for 403 S Main St, Madison, VA 22727

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,576 sqft · built 1900
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$1,550 (2026)
Deeds & Mortgages	May 2020 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39A-3-1`

Property Details

APN / Parcel Number

Primary APN	`39A-3-1`
Alternative APN	`5703`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,576 sqft Living Area
1st Floor Area	2,600 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Metal
Lot Area	21,780 sqft (0.5 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	316 sqft
Deck Area	300 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5703
Street Address	403 S MAIN ST
City	MADISON
State	VA
Zip	22727-3087
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	IN 190000733 0.500 AC 39A(3)-1 RT B-29
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	1
Census Block	1031
Census Tract	930201

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Madison County Courthouse Historic District listed 1984 · 66 contributing resources · NRIS 84003549

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

403 S Main St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	403 S MAIN ST, MADISON, VA 22727-3087
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
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE LLC
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST FINANCIAL LL

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	403 S MAIN ST, MADISON, VA 22727-3087
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	NOT AVAILABLE, NVA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000625
Date	May 5, 2020
Instrument	200000625

Lender

Name	MOVEMENT MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON VA
Property Address	403 S MAIN ST, MADISON, VA 22727-3087
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	PROPERTY TITLE AND ESCROW LLC, PROPERTY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002591
Date	Dec 22, 2021
Instrument	210002591

Lender

Name	CORNERSTONE FIRST FINANCIAL LL
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 403 S Main St was $1,550.

Source: Madison County assessment roll, as of August 28, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Madison County
Municipality	Madison Town
Unified School District	Madison County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,550.00	$292,600 Land $57,000 Building $235,600	$292,600 Land $57,000 Building $235,600
2023	$1,423.00	$192,400 Land $57,000 Building $135,400	$192,400 Land $57,000 Building $135,400

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

Flood

FEMA maps place 403 S Main St 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 403 S Main St 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.

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 52 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: Firefly Fiber Broadband, T-Mobile.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures