10 Pineknoll Cir, Palmyra, VA 22963 Property Records

Fluvanna County property record for 10 Pineknoll Cir, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,963 sqft · built 1971
Lot Size	0.456 acres (19,863 sqft)
Owner	2 Individual Names on File
Last Sale	$1,187,500 (Nov 2025)
Tax Bill	$5,232 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jan 2009 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 1 26`

Property Details

APN / Parcel Number

Primary APN	`18A 1 26`
Alternative APN	`5689`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,963 sqft Living Area
Gross Area	4,334 sqft
1st Floor Area	1,579 sqft
Basement Area	1,579 sqft
Finished Basement	1,579 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,863 sqft (0.456 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	64 sqft
Deck Area	792 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5689
Street Address	10 PINEKNOLL CIR
City	PALMYRA
State	VA
Zip	22963-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 919-389 ASHLAWN-1 LOT 26 19,867 SF
Legal Subdivision	ASHLAWN
Legal Block	2
Legal Lot Number	26
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1025
Census Tract	20104

Owner

10 Pineknoll Cir is owned and occupied by two individuals who bought it in November 2025.

Source: Fluvanna County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 PINEKNOLL CIR, PALMYRA, VA 22963-3332
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
Jun 1, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST SAVINGS MORTGAGE CORP
Jan 6, 2009	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 18, 2025	Deed, Transfer · Conventional Mortgage ATLANTIC UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on File
Deed Sale	Nov 18, 2025 · Amount on File
Prior Sale	Aug 11, 2022 · Amount on File
Deed Document Number	20253509
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	10 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Transaction Type	Mortgage
Record Updated	Jun 25, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002012
Date	Jun 1, 2022
Instrument	220002012

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	10 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000782/077
Date	Jan 6, 2009
Book Page	782/077
Instrument	0030

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2039

Interest

Rate	4.75%

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 18, 2025
Property Address	10 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Document Number	0250003509
Instrument Date	Nov 14, 2025
Instrument	250003509
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,187.50
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	10 PINEKNOLL CIR, PALMYRA, VA 22963-3332

Mortgage

Document Number	0250003510
Date	Nov 18, 2025
Instrument	250003510

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	1-Year CMT
Max Rate	10.6%

Tax Assessment & Valuation

The 2025 property tax bill for 10 Pineknoll Cir was $5,232, up 0.7% from the year before.

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		$693,100 (+0.01%) Land $210,000 Building $483,100	$693,100 (+0.01%) Land $210,000 Building $483,100
2025	$5,232.00 (+0.67%)	$693,040 Land $210,000 Building $483,040	$693,040 Land $210,000 Building $483,040
2024	$5,197.00
2023		$558,700 Land $210,000 Building $348,700	$558,700 Land $210,000 Building $348,700
2022	$4,715.00

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 10 Pineknoll Cir 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	3 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 Pineknoll Cir is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 125 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

Cell Coverage

5G and 4G LTE (outdoors only)

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