434 Cunningham Meadows Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 434 Cunningham Meadows Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,679 sqft · built 2019
Lot Size	0.505 acres (21,998 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Apr 2022)
Tax Bill	$2,616 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17 28 9`

Property Details

APN / Parcel Number

Primary APN	`17 28 9`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,679 sqft Living Area
Gross Area	2,936 sqft
1st Floor Area	1,353 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,998 sqft (0.505 acres)
Terrain	Rolling
Garage Area	390 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	140 sqft
Balcony Area	12 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	434 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 220001585 AC 0.505 CUNNINGHAM MEADOWS
Legal Subdivision	CUNNINGHAM MEADOWS
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1015
Census Tract	20300

Owner

434 Cunningham Meadows Dr is owned and occupied by two individuals who bought it in April 2022.

Source: Fluvanna County records, as of June 25, 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	434 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Nov 5, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage TOWNE FIRST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	Nov 5, 2019 · Amount on File
Deed Document Number	20221585
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	434 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001586
Date	Apr 29, 2022
Instrument	220001586

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

November 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 5, 2019
Property Address	434 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Document Number	1903366
Map Reference	PB 2 PG 272
Instrument Date	Oct 16, 2019
Instrument	1903366
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
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	434 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949

Mortgage

Document Number	1903367
Date	Nov 5, 2019
Instrument	1903367

Lender

Name	TOWNE FIRST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 434 Cunningham Meadows Dr was $2,616.

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		$346,500 (-) Land $45,000 Building $301,500	$346,500 (-) Land $45,000 Building $301,500
2025	$2,616.00	$346,500 Land $45,000 Building $301,500	$346,500 Land $45,000 Building $301,500
2023		$284,700 Land $45,000 Building $239,700	$284,700 Land $45,000 Building $239,700
2022	$2,402.00

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

Flood

FEMA maps place 434 Cunningham Meadows Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 434 Cunningham Meadows Dr 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.

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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