4635 James Madison Hwy, Fork Union, VA 23055 Property Records

Fluvanna County property record for 4635 James Madison Hwy, Fork Union, VA 23055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,083 sqft · built 1934
Lot Size	0.588 acres (25,613 sqft)
Owner	Individual Name on File
Last Sale	$354,999 (Mar 2026)
Tax Bill	$215 (2025)
Deeds & Mortgages	Jun 2005 Line of Credit Jun 2005 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51A A 49`

Property Details

APN / Parcel Number

Primary APN	`51A A 49`
Alternative APN	`6668`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,083 sqft Living Area
Gross Area	4,413 sqft
1st Floor Area	1,559 sqft
Basement Area	264 sqft
Unfinished Basement	264 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1963
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	25,613 sqft (0.588 acres)

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	132 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6668
Street Address	4635 JAMES MADISON HWY
City	FORK UNION
State	VA
Zip	23055-2027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	INST 250000398 AC .588
Legal Block	4
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	4
Census Block	4005
Census Tract	20200

Owner

4635 James Madison Hwy is owned and occupied by an individual who bought it in March 2026.

Source: Fluvanna County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	4635 JAMES MADISON HWY, FORK UNION, VA 23055-2027
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2005	Deed of Trust, Mortgage · Line of Credit QUICKEN LOANS INC
Jun 10, 2005	Deed of Trust, Mortgage · ARM QUICKEN LOANS INC
Mar 25, 2026	Deed, Subdivision Related Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2026 · Amount on File
Deed Sale	Mar 25, 2026 · Amount on File
Prior Sale	Feb 13, 2025 · Amount on File
Deed Document Number	2026846
Record Updated	Sep 20, 2026

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4635 JAMES MADISON HWY, FORK UNION, VA 23055-2027
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000636/206
Date	Jun 10, 2005
Book Page	636/206
Instrument	3859

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 9, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4635 JAMES MADISON HWY, FORK UNION, VA 23055-2027
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000636/186
Date	Jun 10, 2005
Book Page	636/186
Instrument	3858

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	LIVONIA, MI 48152

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jun 1, 2010
Change Frequency	6 Months
Min Rate At Change	2.25%
Max Rate At Change	10.5%
Index	6-Month LIBOR
Max Rate	10.5%

March 2026: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 25, 2026
Property Address	4635 JAMES MADISON HWY, FORK UNION, VA 23055-2027
Document Number	0260000846
Map Reference	MB 173 PG 55
Instrument Date	Mar 20, 2026
Instrument	260000846
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 9, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4635 JAMES MADISON HWY, FORK UNION, VA 23055-2027

Mortgage

Document Number	0260000847
Date	Mar 25, 2026
Instrument	260000847

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 4635 James Madison Hwy was $215, up 0.9% from the year before.

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		$28,500 (-) Land $25,500 Building $3,000	$28,500 (-) Land $25,500 Building $3,000
2025	$215.00 (+0.94%)	$28,500 Land $25,500 Building $3,000	$28,500 Land $25,500 Building $3,000
2024	$213.00
2023		$132,100 Land $25,500 Building $106,600	$132,100 Land $25,500 Building $106,600
2022	$1,114.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4635 James Madison Hwy in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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	1 in force
Nearby Flood Claims	2 (1985–1996)
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond

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 4635 James Madison Hwy 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FORK UNION SANITARY DISTRICT serves 2,150 people · EPA ID VA2065300
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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