Madison County property record for 628 River Rd, Madison, VA 22727 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,186 sqft Living Area |
| Lot Size | 335,281 sqft (7.69 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $530,000 (2026) |
| Tax Bill | $2,624.00 (2025) |
| Primary APN | 40-95 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,186 sqft Living Area |
| 1st Floor | 2,186 sqft 1st Floor |
| Basement Area | 2,186 sqft Basement |
| Unfinished Basement | 2,186 sqft Unfinished |
| Stories | 1 Stories |
| Utility Area | 200 sqft Utility Area |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 335,281 sqft (7.69 acres) |
| Deck Area | 160 sqft Deck |
|---|---|
| Patio Area | 312 sqft Patio |
| Porch Area | 28 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Account Number | 5653 |
|---|---|
| Street Address | 628 RIVER RD |
| City | MADISON |
| State | VA |
| Zip | 22727-2868 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | IN 200000974 7.697 AC 40-95 OFF RT 636 |
| Jurisdiction | MADISON VA |
| Minor Civil Division | RAPIDAN |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 930201 |
Source: Madison County records · APN 40-95
Assessment roll updated September 15, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNION BANK & TRUST |
| May 18, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC |
| May 21, 2012 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO |
| Oct 11, 2007 | Deed of Trust, Mortgage · Line of Credit SECOND BANK & TRUST |
| Aug 05, 2025 | Deed of Trust, Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC |
| Mar 20, 2026 | Warranty Deed, Transfer · Veterans Administration Mortgage CMG MORTGAGE INC |
| Jul 06, 2020 | Bargain and Sale Deed, Transfer · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 09, 2008 | Gift Deed, Transfer · Conventional Mortgage BRANCH BANKING & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 20, 2026 · Amount on Record |
| Deed Sale | Mar 20, 2026 · Amount on Record |
| Prior Sale | Jul 06, 2020 · Amount on Record |
| Deed Doc Number | 2026393 |
| Prior Transfer Date | Jun 04, 2008 |
| Prior Transfer Doc | 0000001158 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Transaction Type | Mortgage |
| Record Updated | Apr 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0180000175 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 180000175 |
| Name | UNION BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Transaction Type | Mortgage |
| Record Updated | Apr 06, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0210001020 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 210001020 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Transaction Type | Mortgage |
| Record Updated | Apr 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0120000718 |
|---|---|
| Date | May 21, 2012 |
| Instrument | 120000718 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2032 |
| Rate | 3.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Transaction Type | Mortgage |
| Record Updated | Apr 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0070002262 |
|---|---|
| Date | Oct 11, 2007 |
| Instrument | 070002262 |
| Name | SECOND BANK & TRUST |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON VA |
| Property Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Transaction Type | Mortgage |
| Record Updated | Apr 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Investor | Possibly a Property Investor |
| Document Number | 0250000968 |
|---|---|
| Date | Aug 05, 2025 |
| Instrument | 250000968 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | TEMPE, AZ 85288 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON VA |
| Recording Date | Mar 20, 2026 |
| Property Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Document Number | 0260000393 |
| Map Reference | MB 17 PG 76 |
| Instrument Date | Mar 18, 2026 |
| Instrument | 260000393 |
| Transaction Type | Transfer |
| Record Updated | Apr 06, 2026 |
| Title Company | LAKESIDE TITLE AND ESCROW LLC, LAKESIDE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $530.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Document Number | 0260000394 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | 260000394 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MADISON VA |
| Recording Date | Jul 06, 2020 |
| Property Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Document Number | 0200000974 |
| Map Reference | MB 17 PG 76 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 200000974 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $376.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Investor | Possibly a Property Investor |
| Document Number | 0200000975 |
|---|---|
| Date | Jul 06, 2020 |
| Instrument | 200000975 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | MADISON VA |
| Recording Date | Jun 09, 2008 |
| Property Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Document Number | 0080001158 |
| Map Reference | MB17 PG76 |
| Instrument Date | Jun 04, 2008 |
| Instrument | 080001158 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 628 RIVER RD, MADISON, VA 22727-2868 |
| Document Number | 0080001159 |
|---|---|
| Date | Jun 09, 2008 |
| Instrument | 080001159 |
| Name | BRANCH BANKING & TRUST CO |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2038 |
Source: Madison County records · Assessment roll updated September 15, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Madison County |
| Unified School District | Madison County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,624.00 (-0.61%) | $514,600 (+44.23%) Land $127,300 Building $387,300 | $514,600 (+44.23%) Land $127,300 Building $387,300 |
| 2023 | $2,640.00 | $356,800 Land $129,000 Building $227,800 | $356,800 Land $129,000 Building $227,800 |
Source: FEMA National Flood Hazard Layer, Madison County (51113C), updated April 29, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Low above 7% of the US · above 5% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 3,846 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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