10 Ashcake Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 10 Ashcake Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,120 sqft · built 1993
Lot Size	0.839 acres (36,547 sqft)
Owner	Individual Name on Record
Last Sale	$342,000 (Aug 2020)
Tax Bill	$4,184 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 2 275`

Property Details

APN / Parcel Number

Primary APN	`18A 2 275`
Alternative APN	`4581`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,120 sqft Living Area
Gross Area	5,464 sqft
1st Floor Area	3,120 sqft
Basement Area	1,560 sqft
Finished Basement	1,560 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,547 sqft (0.839 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	424 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4581
Street Address	10 ASHCAKE TER
City	PALMYRA
State	VA
Zip	22963-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200003034 SHADWELL-2 LOT 275 36,568 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	27
Legal Lot Number	275
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2005
Census Tract	20104

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	10 ASHCAKE TER, PALMYRA, VA 22963-3224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Apr 6, 2017	Deed, Transfer · Conventional Mortgage AMERICAN EQUITY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2020 · Amount on Record
Deed Sale	Aug 14, 2020 · Amount on Record
Prior Sale	Apr 6, 2017 · Amount on Record
Deed Document Number	20203034
Record Updated	Sep 20, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 14, 2020
Property Address	10 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	0200003034
Map Reference	DB 76 PG 564
Instrument Date	Aug 7, 2020
Instrument	200003034
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ASHCAKE TER, PALMYRA, VA 22963-3224

Mortgage

Document Number	0200003035
Date	Aug 14, 2020
Instrument	200003035

Lender

Name	CITIZENS BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 6, 2017
Property Address	10 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	0001701081
Map Reference	PB 76 PG 564
Instrument Date	Mar 28, 2017
Instrument	1701081
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	OLD REPUBLIC 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	10 ASHCAKE TER, PALMYRA, VA 22963-3224

Mortgage

Document Number	0001701082
Date	Apr 6, 2017
Instrument	1701082

Lender

Name	AMERICAN EQUITY MORTGAGE INC

Agreement

Type	Conventional 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		$554,300 (-) Land $35,000 Building $519,300	$554,300 (-) Land $35,000 Building $519,300
2025	$4,184.00 (+20.89%)	$554,300 (+35.16%) Land $35,000 Building $519,300	$554,300 (+35.16%) Land $35,000 Building $519,300
2023		$410,100 Land $35,000 Building $375,100	$410,100 Land $35,000 Building $375,100
2022	$3,461.00

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	Direct burnable vegetation

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 248 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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