11 Wedge Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 11 Wedge Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,323 sqft · built 1986
Lot Size	0.965 acres (42,035 sqft)
Owner	Individual Name on File
Tax Bill	$6,823 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 4 107`

Property Details

APN / Parcel Number

Primary APN	`18A 4 107`
Alternative APN	`4657`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,323 sqft Living Area
Gross Area	6,250 sqft
1st Floor Area	1,859 sqft
Basement Area	1,859 sqft
Finished Basement	1,720 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2008
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	42,035 sqft (0.965 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	524 sqft
Deck Area	396 sqft
Patio Area	630 sqft
Gazebo	Gazebo
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	4657
Street Address	11 WEDGE TER
City	PALMYRA
State	VA
Zip	22963-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 992-658 FAIRWAY-4 LOT 107 42,054 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	10
Legal Lot Number	107
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

11 Wedge Ter is owned and occupied by an individual who acquired it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	11 WEDGE TER, PALMYRA, VA 22963-2315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA MTG LLC
Aug 14, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN EQUITY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 11, 2017
Transfer Doc	0000002584
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	11 WEDGE TER, PALMYRA, VA 22963-2315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000021
Date	Jan 4, 2021
Instrument	210000021

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Aug 14, 2017
Property Address	11 WEDGE TER, PALMYRA, VA 22963-2315
Document Number	1702584
Map Reference	PB 84 PG 28
Instrument Date	Jul 11, 2017
Instrument	1702584
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WEDGE TER, PALMYRA, VA 22963-2315

Mortgage

Document Number	1702585
Date	Aug 14, 2017
Instrument	1702585

Lender

Name	AMERICAN EQUITY MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 11 Wedge Ter was $6,823.

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		$903,780 (-) Land $190,000 Building $713,780	$903,780 (-) Land $190,000 Building $713,780
2025	$6,823.00	$903,780 Land $190,000 Building $713,780	$903,780 Land $190,000 Building $713,780
2023		$706,500 Land $190,000 Building $516,500	$706,500 Land $190,000 Building $516,500
2022	$5,962.00

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

Flood

FEMA maps place 11 Wedge Ter 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 11 Wedge Ter is low, with 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 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 256 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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