1032 Cunningham Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1032 Cunningham Rd, Palmyra, VA 22963 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1974
Lot Size	9.7 acres (422,532 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,090 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`39 1 2`

Property Details

APN / Parcel Number

Primary APN	`39 1 2`
Alternative APN	`8363`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
Gross Area	3,244 sqft
1st Floor Area	1,312 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Bonus Room	Bonus Room
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	422,532 sqft (9.7 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	180 sqft
Deck Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8363
Street Address	1032 CUNNINGHAM RD
City	PALMYRA
State	VA
Zip	22963-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB 96-652 AC 9.7
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	2
Census Block	2031
Census Tract	20300

Owner

Source: Fluvanna County records · APN 39 1 2

Assessment roll updated June 25, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1032 CUNNINGHAM RD, PALMYRA, VA 22963-5226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1032 CUNNINGHAM RD, PALMYRA, VA 22963-5226
Transaction Type	Mortgage
Record Updated	Oct 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1903051
Date	Oct 07, 2019
Instrument	1903051

Lender

Name	BRANCH BANKING & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$276,900 (-) Land $69,700 Building $207,200	$276,900 (-) Land $69,700 Building $207,200
2025	$2,090.00 (+14.4%)	$276,900 (+27.9%) Land $69,700 Building $207,200	$276,900 (+27.9%) Land $69,700 Building $207,200
2023		$216,500 Land $69,700 Building $146,800	$216,500 Land $69,700 Building $146,800
2022	$1,827.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.