1 Westham Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1 Westham Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,284 sqft · built 1998
Lot Size	0.447 acres (19,471 sqft)
Owner	Individual Name on Record
Last Sale	$386,000 (Sep 2025)
Tax Bill	$2,656 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Apr 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`18A 4 297`

Property Details

APN / Parcel Number

Primary APN	`18A 4 297`
Alternative APN	`11035`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
Gross Area	2,212 sqft
1st Floor Area	1,284 sqft
Basement Area	728 sqft
Finished Basement	728 sqft
Unfinished Basement	642 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2012
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,471 sqft (0.447 acres)
Terrain	Rolling
View / Lot	Corner
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	40 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	11035
Street Address	1 WESTHAM CT
City	PALMYRA
State	VA
Zip	22963-2546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 250001021 FAIRWAY-4 LOT 297 19,488 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	29
Legal Lot Number	297
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2002
Census Tract	20103

Owner

Source: Fluvanna County records, as of June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1 WESTHAM CT, PALMYRA, VA 22963-2546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2025	Deed, Transfer · Stand-Alone First Mortgage GEORGE ROACH ETAL
Apr 10, 2025	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2025 · Amount on Record
Deed Sale	Sep 2, 2025 · Amount on Record
Prior Sale	Apr 10, 2025 · Amount on Record
Deed Document Number	20252670
Record Updated	Sep 20, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 2, 2025
Property Address	1 WESTHAM CT, PALMYRA, VA 22963-2546
Document Number	0250002670
Map Reference	MB 96 PG 176
Instrument Date	Aug 28, 2025
Instrument	250002670
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIDELITY NATL TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$386.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 WESTHAM CT, PALMYRA, VA 22963-2546

Mortgage

Document Number	0250002671
Date	Sep 2, 2025
Instrument	250002671

Lender

Name	GEORGE ROACH ETAL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Feb 28, 2026

Interest

Rate	8%

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 10, 2025
Property Address	1 WESTHAM CT, PALMYRA, VA 22963-2546
Document Number	0250001021
Map Reference	DB 96 PG 176
Instrument Date	Feb 24, 2025
Instrument	250001021
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1 WESTHAM CT, PALMYRA, VA 22963-2546

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		$351,800 (-) Land $30,000 Building $321,800	$351,800 (-) Land $30,000 Building $321,800
2025	$2,656.00 (+0.68%)	$351,800 (+52.62%) Land $30,000 Building $321,800	$351,800 (+52.62%) Land $30,000 Building $321,800
2024	$2,638.00 (+35.63%)
2023		$230,500 Land $30,000 Building $200,500	$230,500 Land $30,000 Building $200,500
2022	$1,945.00

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	1 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	0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE MONTICELLO private · serves 12,943 people · EPA ID VA2065480
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Firefly Fiber Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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