643 Lost Valley Rd, Madison, VA 22727 Property Records

Madison County property record for 643 Lost Valley Rd, Madison, VA 22727

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,820 sqft · built 2006
Lot Size	1.75 acres (76,230 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Sep 2025)
Tax Bill	$3,332 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jan 2020 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`36A-1-7`

Property Details

APN / Parcel Number

Primary APN	`36A-1-7`
Alternative APN	`1242`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,820 sqft Living Area
1st Floor Area	1,820 sqft
Basement Area	1,820 sqft
Flooring	Wood
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Logs
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	76,230 sqft (1.75 acres)
Terrain	Rolling
Garage Type	Built-in

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	Deck Area
Gazebo	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1242
Street Address	643 LOST VALLEY RD
City	MADISON
State	VA
Zip	22727-3462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C1
Legal Description	IN 200000121 1.750 AC 36A(1)-7 LOST VALLEY
Legal Subdivision	LOST VALLEY SUB
Jurisdiction	MADISON VA
Township / Civil Division	RAPIDAN
Census Block Group	2
Census Block	2041
Census Tract	930202

Owner

643 Lost Valley Rd is owned and occupied by two individuals who bought it in September 2025.

Source: Madison County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	643 LOST VALLEY RD, MADISON, VA 22727-3462
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 10, 2025	Deed, Transfer · Conventional Mortgage UNIVERSITY OF VIRGINIA COMMUNITY CU
Jan 24, 2020	Intrafamily Transfer, Transfer · Construction Mortgage NETWORK CAPITAL FUNDING CORP
Jan 24, 2020	Deed, Transfer
Jun 27, 2018	Intrafamily Transfer, Transfer · Construction Mortgage NETWORK CAPITAL FUNDING CORP
Jun 27, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2025 · Amount on File
Deed Sale	Sep 10, 2025 · Amount on File
Deed Document Number	20251139
Prior Transfer Date	Sep 5, 2019
Prior Transfer Doc	0000000119
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON VA
Recording Date	Sep 10, 2025
Property Address	643 LOST VALLEY RD, MADISON, VA 22727-3462
Document Number	0250001139
Map Reference	MB 92 PG 455
Instrument Date	Sep 5, 2025
Instrument	250001139
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	643 LOST VALLEY RD, MADISON, VA 22727-3462

Mortgage

Document Number	0250001140
Date	Sep 10, 2025
Instrument	250001140

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	0250001201
Date	Sep 19, 2025
Instrument	250001201

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.74%
Type Change Date	Oct 1, 2032
Min Rate At Change	3.74%
Max Rate At Change	7.74%
Index	SOFR Average 30-Day
Max Rate	10.7%

January 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON VA
Recording Date	Jan 24, 2020
Property Address	643 LOST VALLEY RD, MADISON, VA 22727-3462
Document Number	0200000119
Instrument Date	Sep 5, 2019
Instrument	200000119
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 LOST VALLEY RD, MADISON, VA 22727-3462
Investor	Possibly a Property Investor

Mortgage

Document Number	0200000120
Date	Jan 24, 2020
Instrument	200000120

Lender

Name	NETWORK CAPITAL FUNDING CORP

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON VA
Recording Date	Jan 24, 2020
Property Address	643 LOST VALLEY RD, MADISON, VA 22727-3462
Document Number	0200000121
Instrument Date	Sep 5, 2019
Instrument	200000121
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	643 LOST VALLEY RD, MADISON, VA 22727-3462

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON VA
Recording Date	Jun 27, 2018
Property Address	643 LOST VALLEY RD, MADISON, VA 22727-3462
Document Number	0180000812
Instrument Date	Jun 16, 2018
Instrument	180000812
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2530 REDHILL AVE STE 110, 110, SANTA ANA, CA 92705-5560
Investor	Possibly a Property Investor

Mortgage

Document Number	0180000813
Date	Jun 27, 2018
Instrument	180000813

Lender

Name	NETWORK CAPITAL FUNDING CORP

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON VA
Recording Date	Jun 27, 2018
Property Address	643 LOST VALLEY RD, MADISON, VA 22727-3462
Document Number	0180000814
Instrument Date	Jun 16, 2018
Instrument	180000814
Transaction Type	Transfer
Record Updated	Dec 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2530 REDHILL AVE STE 110, 110, SANTA ANA, CA 92705-5560
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 643 Lost Valley Rd was $3,332, up 3.9% from the year before.

Source: Madison County assessment roll, as of August 28, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Madison County
Unified School District	Madison County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,332.00 (+3.93%)	$628,700 (-) Land $111,000 Building $517,700	$628,700 (-) Land $111,000 Building $517,700
2025	$3,206.00	$628,700 Land $111,000 Building $517,700	$628,700 Land $111,000 Building $517,700
2023	$2,116.00	$286,000 Land $45,800 Building $240,200	$286,000 Land $45,800 Building $240,200

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 643 Lost Valley Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 29, 2025 · 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	8 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

Wildfire risk around 643 Lost Valley Rd is moderate, ranking above 46% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 73% of Virginia
Wildfire Likelihood	0.07% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
Virginia Broadband Fixed Wireless · not low latency	100 / 25

Cell Coverage

5G and 4G LTE (outdoors only)

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