442 Cunningham Meadows Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 442 Cunningham Meadows Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,603 sqft · built 2012
Lot Size	0.496 acres (21,606 sqft)
Owner	Individual Name on File
Last Sale	$265,269 (Mar 2015)
Tax Bill	$3,628 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17 28 10`

Property Details

APN / Parcel Number

Primary APN	`17 28 10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,603 sqft Living Area
Gross Area	3,620 sqft
1st Floor Area	2,144 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,606 sqft (0.496 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	196 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	442 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	DB 934-773 AC 0.496 CUNNINGHAM MEADOWS
Legal Subdivision	CUNNINGHAM MEADOWS
Legal Block	1
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1015
Census Tract	20300

Owner

Source: Fluvanna County assessment roll, 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	Individual Name on File
Mailing Address	442 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 3, 2015 · Amount on Record
Deed Sale	Mar 3, 2015 · Amount on Record
Prior Sale	Mar 18, 2013 · Amount on Record
Deed Document Number	2015597
Prior Transfer Date	Feb 3, 2015
Prior Transfer Doc	0000000597
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	442 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001060
Date	Mar 22, 2022
Instrument	220001060

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2032

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	442 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000656
Date	Feb 22, 2022
Instrument	220000656

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2032

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		$480,600 (-) Land $45,000 Building $435,600	$480,600 (-) Land $45,000 Building $435,600
2025	$3,628.00 (+10.78%)	$480,600 (+23.83%) Land $45,000 Building $435,600	$480,600 (+23.83%) Land $45,000 Building $435,600
2023		$388,100 Land $45,000 Building $343,100	$388,100 Land $45,000 Building $343,100
2022	$3,275.00

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

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)
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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