549 Cunningham Meadows Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 549 Cunningham Meadows Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,195 sqft · built 2013
Lot Size	0.524 acres (22,825 sqft)
Owner	Individual Name on Record
Last Sale	$241,300 (Apr 2013)
Tax Bill	$3,247 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17 28 20`

Property Details

APN / Parcel Number

Primary APN	`17 28 20`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,195 sqft Living Area
Gross Area	3,011 sqft
1st Floor Area	1,808 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2019
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,825 sqft (0.524 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	120 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	549 CUNNINGHAM MEADOWS DR
City	PALMYRA
State	VA
Zip	22963-4947
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 893-733 AC 0.524 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 10, 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	549 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU INC
Aug 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage VA CU INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2013 · Amount on Record
Deed Sale	Apr 30, 2013 · Amount on Record
Prior Sale	Dec 20, 2011 · Amount on Record
Deed Document Number	20131803
Deed Book / Page	893 / 733
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Jul 29, 2026
Property Address	549 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4947
Document Number	0000002297
Instrument Date	Jul 23, 2026
Instrument	20262297
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	TITLE FIRST, TITLE FIRST AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4947

Mortgage

Document Number	0000002297,
Date	Jul 29, 2026
Instrument	20262297

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 28, 2046

Interest

Rate Type	Fixed Rate
Rate	8%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	549 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4947
Transaction Type	Mortgage
Record Updated	May 18, 2022
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001514
Date	Apr 25, 2022
Instrument	220001514

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	549 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4947
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210002494
Date	May 18, 2021
Instrument	210002494

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	549 CUNNINGHAM MEADOWS DR, PALMYRA, VA 22963-4947
Transaction Type	Mortgage
Record Updated	Aug 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1802407
Date	Aug 1, 2018
Instrument	1802407

Lender

Name	VA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 28, 2038

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		$430,148 (-) Land $45,000 Building $385,148	$430,148 (-) Land $45,000 Building $385,148
2025	$3,247.00 (+10.48%)	$430,148 (+23.5%) Land $45,000 Building $385,148	$430,148 (+23.5%) Land $45,000 Building $385,148
2023		$348,300 Land $45,000 Building $303,300	$348,300 Land $45,000 Building $303,300
2022	$2,939.00

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	Direct burnable vegetation

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 (outdoors only), no 5G reported

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