Madison County property record for 4164 Thrift Rd, Madison, VA 22727
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,142 sqft · built 2019 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $524,900 (Aug 2024) |
| Tax Bill | $2,733 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage Nov 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 47-35F |
| Primary APN | 47-35F |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,142 sqft Living Area |
| 1st Floor Area | 2,142 sqft |
| Basement Area | 1,071 sqft |
| Finished Basement | 1,071 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Vinyl |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft (4 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 15 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Propane |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 2277 |
|---|---|
| Street Address | 4164 THRIFT RD |
| City | MADISON |
| State | VA |
| Zip | 22727-5039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A1 |
| Legal Description | IN 240001024 4.000 AC 47-35F RT 657 |
| Legal Subdivision | RAPIDAN MAGISTERIAL DISTRICT |
| Jurisdiction | MADISON VA |
| Township / Civil Division | RAPIDAN |
| Census Block Group | 2 |
| Census Block | 2067 |
| Census Tract | 930202 |
Source: Madison County records, as of August 28, 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 | 4164 THRIFT RD, MADISON, VA 22727-5039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2020 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Nov 9, 2020 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK |
| Jun 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NEW WHITLOCK INVESTMENTS INC |
| Nov 21, 2022 | Deed of Trust, Mortgage VA |
| Nov 3, 2017 | Gift Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2024 · Amount on Record |
| Deed Sale | Aug 7, 2024 · Amount on Record |
| Deed Document Number | 20241024 |
| Prior Transfer Date | Sep 22, 2017 |
| Prior Transfer Doc | 0000001611 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 4164 THRIFT RD, MADISON, VA 22727-5039 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Title Company | NOT AVAILABLE, LOUISA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0200000168 |
|---|---|
| Date | Feb 4, 2020 |
| Instrument | 200000168 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 4164 THRIFT RD, MADISON, VA 22727-5039 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0200001790 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 200001790 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 4164 THRIFT RD, MADISON, VA 22727-5039 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0190000879 |
|---|---|
| Date | Jun 21, 2019 |
| Instrument | 190000879 |
| Name | NEW WHITLOCK INVESTMENTS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 4164 THRIFT RD, MADISON, VA 22727-5039 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0220001710 |
|---|---|
| Date | Nov 21, 2022 |
| Instrument | 220001710 |
| Name | VA |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 336 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | MADISON VA |
| Recording Date | Nov 3, 2017 |
| Property Address | 4164 THRIFT RD, MADISON, VA 22727-5039 |
| Document Number | 0170001611 |
| Map Reference | MB 143 PG 109 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 170001611 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8265 RUTH RD, MADISON, VA 22727-5032 |
Source: Madison County assessment roll, as of August 28, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Madison County |
| Unified School District | Madison County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,733.00 (+2.71%) | $515,800 (+43.4%) Land $92,000 Building $423,800 | $515,800 (+43.4%) Land $92,000 Building $423,800 |
| 2023 | $2,661.00 | $359,700 Land $71,500 Building $288,200 | $359,700 Land $71,500 Building $288,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 8 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Virginia Broadband Fixed Wireless · not low latency | 100 / 25 |
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