10 Lewis Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 10 Lewis Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,196 sqft · built 1996
Lot Size	1.12 acres (49,005 sqft)
Owner	2 Trust Names on File
Last Sale	$489,900 (Jun 2012)
Tax Bill	$4,980 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18A 2 206`

Property Details

APN / Parcel Number

Primary APN	`18A 2 206`
Alternative APN	`3009`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,196 sqft Living Area
Gross Area	5,019 sqft
1st Floor Area	2,132 sqft
Basement Area	1,254 sqft
Finished Basement	1,254 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	49,005 sqft (1.12 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	1,104 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	432 sqft
Deck Area	296 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3009
Street Address	10 LEWIS CT
City	PALMYRA
State	VA
Zip	22963-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 865-395 SHADWELL-2 LOT 206 49,012 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	20
Legal Lot Number	206
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2019
Census Tract	20104

Owner

10 Lewis Ct is owner-occupied and held in a trust since July 2026.

Source: Fluvanna County records, as of October 12, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10 LEWIS CT, PALMYRA, VA 22963-3228
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 29, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC BANK
Jul 27, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2012 · Amount on File
Deed Sale	Jun 1, 2012 · Amount on File
Deed Document Number	20121878
Deed Book / Page	865 / 395
Last Transfer Date	Jul 23, 2026
Transfer Doc	0000002270
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Sep 29, 2026
Property Address	10 LEWIS CT, PALMYRA, VA 22963-3228
Document Number	0000002966
Instrument Date	Sep 23, 2026
Instrument	20262966
Transaction Type	Mortgage
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	10 LEWIS CT, PALMYRA, VA 22963-3228

Mortgage

Document Number	0000002966,
Date	Sep 29, 2026
Instrument	20262966

Lender

Name	ATLANTIC BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2056

Interest

Max Rate	-1%

July 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 27, 2026
Property Address	10 LEWIS CT, PALMYRA, VA 22963-3228
Document Number	0000002270
Instrument Date	Jul 23, 2026
Instrument	20262270
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	10 LEWIS CT, PALMYRA, VA 22963-3228

Tax Assessment & Valuation

The 2025 property tax bill for 10 Lewis Ct was $4,980.

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		$659,648 (-) Land $146,300 Building $513,348	$659,648 (-) Land $146,300 Building $513,348
2025	$4,980.00	$659,648 Land $146,300 Building $513,348	$659,648 Land $146,300 Building $513,348
2023		$535,200 Land $146,300 Building $388,900	$535,200 Land $146,300 Building $388,900
2022	$4,517.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Lewis Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 10 Lewis Ct is low, with a 0.02% annual chance of 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	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 153 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
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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