497 Cunningham Meadows Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 497 Cunningham Meadows Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,274 sqft · built 2018
Lot Size	0.507 acres (22,085 sqft)
Owner	Individual Name on Record
Last Sale	$341,000 (Aug 2021)
Tax Bill	$3,040 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17 28 22`

Property Details

APN / Parcel Number

Primary APN	`17 28 22`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,274 sqft Living Area
Gross Area	2,857 sqft
1st Floor Area	1,760 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,085 sqft (0.507 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	148 sqft
Balcony Area	34 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	497 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 210003980 AC 0.507 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 August 12, 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 Record
Mailing Address	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Oct 3, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Apr 10, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Aug 9, 2021	Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE
Jan 28, 2019	Deed, Subdivision Related Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Prior Sale	Jan 28, 2019 · Amount on Record
Deed Document Number	20213980
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Jul 31, 2026
Property Address	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Document Number	0000002346
Instrument Date	Jul 6, 2026
Instrument	20262346
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949

Mortgage

Document Number	0000002346,
Date	Jul 31, 2026
Instrument	20262346

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Sep 1, 2051

Interest

Rate	6.48%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002746
Date	Oct 3, 2023
Instrument	230002746

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Sep 1, 2051

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	May 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000906
Date	Apr 10, 2023
Instrument	230000906

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Sep 1, 2051

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 9, 2021
Property Address	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Document Number	210003980
Map Reference	PB 2 PG 272
Instrument Date	Jul 30, 2021
Instrument	210003980
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$341.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949

Mortgage

Document Number	210003981
Date	Aug 9, 2021
Instrument	210003981

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 28, 2019
Property Address	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Document Number	1900251
Map Reference	PB 2 PG 272
Instrument Date	Jan 22, 2019
Instrument	1900251
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

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	497 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949

Mortgage

Document Number	1900252
Date	Jan 28, 2019
Instrument	1900252

Lender

Name	USAA FSB

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		$402,700 (-) Land $45,000 Building $357,700	$402,700 (-) Land $45,000 Building $357,700
2025	$3,040.00 (+7.99%)	$402,700 (+20.71%) Land $45,000 Building $357,700	$402,700 (+20.71%) Land $45,000 Building $357,700
2023		$333,600 Land $45,000 Building $288,600	$333,600 Land $45,000 Building $288,600
2022	$2,815.00

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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