459 Cunningham Meadows Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 459 Cunningham Meadows Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,191 sqft · built 2016
Lot Size	0.541 acres (23,566 sqft)
Owner	2 Individual Names on Record
Last Sale	$258,500 (Feb 2018)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`17 28 24`

Property Details

APN / Parcel Number

Primary APN	`17 28 24`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,191 sqft Living Area
Gross Area	3,830 sqft
1st Floor Area	1,788 sqft
Basement Area	894 sqft
Unfinished Basement	894 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	23,566 sqft (0.541 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	40 sqft
Deck Area	100 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	459 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 180000327 AC 0.541 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	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Mar 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage HUD
Jun 2, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Aug 4, 2022	Deed of Trust, Mortgage · FHA Mortgage HUD
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Sep 2, 2020	Deed of Trust, Mortgage · FHA Mortgage TUCKER GRIFFIN BARNES PC
Feb 5, 2018	Deed, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP
Feb 28, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2018 · Amount on Record
Deed Sale	Feb 5, 2018 · Amount on Record
Prior Sale	Feb 28, 2017 · Amount on Record
Deed Document Number	2018327
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949

Mortgage

Document Number	0250002968
Date	Sep 25, 2025
Instrument	250002968

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	270 Months
Due	Mar 1, 2048

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Apr 24, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000719
Date	Mar 29, 2024
Instrument	240000719

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Mar 1, 2048

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001486
Date	Jun 2, 2023
Instrument	230001486

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2048

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002861
Date	Aug 4, 2022
Instrument	220002861

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210002781
Date	Jun 3, 2021
Instrument	210002781

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Sep 30, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200003399
Date	Sep 2, 2020
Instrument	200003399

Lender

Name	TUCKER GRIFFIN BARNES PC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 5, 2018
Property Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Document Number	1800327
Map Reference	PB 2 PG 272
Instrument Date	Jan 26, 2018
Instrument	1800327
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949

Mortgage

Document Number	1800328
Date	Feb 5, 2018
Instrument	1800328

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 28, 2017
Property Address	459 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Document Number	1700604
Map Reference	PB 2 PG 272
Instrument Date	Feb 23, 2017
Instrument	1700604
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8249 CROWN COLONY PKWY # 100, 100, MECHANICSVILLE, VA 23116-4057

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		$449,500 (-) Land $45,000 Building $404,500	$449,500 (-) Land $45,000 Building $404,500
2025	$3,393.00 (+10.41%)	$449,500 (+23.42%) Land $45,000 Building $404,500	$449,500 (+23.42%) Land $45,000 Building $404,500
2023		$364,200 Land $45,000 Building $319,200	$364,200 Land $45,000 Building $319,200
2022	$3,073.00

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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