431 Cunningham Meadows Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 431 Cunningham Meadows Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,961 sqft · built 2007
Lot Size	0.505 acres (21,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,500 (Apr 2018)
Tax Bill	$5,292 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17 28 26`

Property Details

APN / Parcel Number

Primary APN	`17 28 26`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,961 sqft Living Area
Gross Area	6,186 sqft
1st Floor Area	1,961 sqft
Basement Area	1,804 sqft
Finished Basement	1,575 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,998 sqft (0.505 acres)
Terrain	Rolling
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	580 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	431 CUNNINGHAM MEADOWS DR
City	PALMYRA
State	VA
Zip	22963-4949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 180001201 AC 0.505 CUNNINGHAM MEADOWS
Legal Subdivision	CUNNINGHAM MEADOWS
Legal Block	2
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1015
Census Tract	20300

Owner

Source: Fluvanna County records, as of June 25, 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	431 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage UVA COMMUNITY CU
Aug 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE
Apr 20, 2018	Deed, Transfer · VA Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2018 · Amount on Record
Deed Sale	Apr 20, 2018 · Amount on Record
Prior Sale	Apr 23, 2012 · Amount on Record
Deed Document Number	20181201
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	431 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1702014
Date	Jun 21, 2017
Instrument	1702014

Lender

Name	UVA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 20, 2042

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	431 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Aug 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200002934
Date	Aug 10, 2020
Instrument	200002934

Lender

Name	FIRST HERITAGE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 20, 2018
Property Address	431 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Document Number	1801201
Map Reference	PB 2 PG 272
Instrument Date	Apr 17, 2018
Instrument	1801201
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	431 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949

Mortgage

Document Number	1801202
Date	Apr 20, 2018
Instrument	1801202

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Fluvanna County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$701,020 (-) Land $45,000 Building $656,020	$701,020 (-) Land $45,000 Building $656,020
2025	$5,292.00 (+26.78%)	$701,020 (+41.73%) Land $45,000 Building $656,020	$701,020 (+41.73%) Land $45,000 Building $656,020
2023		$494,600 Land $45,000 Building $449,600	$494,600 Land $45,000 Building $449,600
2022	$4,174.00

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 March 25, 2016 · 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	3 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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