498 Cunningham Meadows Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 498 Cunningham Meadows Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,835 sqft · built 2018
Lot Size	0.505 acres (21,998 sqft)
Owner	Individual Name on Record
Last Sale	$283,821 (Mar 2018)
Tax Bill	$3,520 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17 28 12`

Property Details

APN / Parcel Number

Primary APN	`17 28 12`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,835 sqft Living Area
Gross Area	5,070 sqft
1st Floor Area	2,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
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	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	110 sqft
Deck Area	120 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	498 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 180000690 AC 0.505 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 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	Individual Name on Record
Mailing Address	498 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE
Mar 8, 2018	Deed, Subdivision Related Transfer · FHA Mortgage TOWNE FIRST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2018 · Amount on Record
Deed Sale	Mar 8, 2018 · Amount on Record
Prior Sale	Dec 20, 2011 · Amount on Record
Deed Document Number	2018690
Prior Transfer Date	Jul 21, 2010
Prior Transfer Doc	822/013
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	498 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Transaction Type	Mortgage
Record Updated	Apr 15, 2020
Title Company	OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200000993
Date	Mar 23, 2020
Instrument	200000993

Lender

Name	FINANCE OF AMERICA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

March 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 8, 2018
Property Address	498 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949
Document Number	1800690
Map Reference	PB 2 PG 272
Instrument Date	Feb 10, 2018
Instrument	1800690
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, 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	498 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4949

Mortgage

Document Number	1800691
Date	Mar 8, 2018
Instrument	1800691

Lender

Name	TOWNE FIRST MORTGAGE

Agreement

Type	FHA 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		$466,260 (-) Land $45,000 Building $421,260	$466,260 (-) Land $45,000 Building $421,260
2025	$3,520.00 (+12.64%)	$466,260 (+25.91%) Land $45,000 Building $421,260	$466,260 (+25.91%) Land $45,000 Building $421,260
2023		$370,300 Land $45,000 Building $325,300	$370,300 Land $45,000 Building $325,300
2022	$3,125.00

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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