1173 Courthouse Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1173 Courthouse Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,112 sqft · built 1992
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$282,000 (Feb 2018)
Tax Bill	$3,169 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31 A 9A`

Property Details

APN / Parcel Number

Primary APN	`31 A 9A`
Alternative APN	`13048`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
Gross Area	3,704 sqft
1st Floor Area	2,112 sqft
Basement Area	1,056 sqft
Finished Basement	1,056 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2010
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling

Exterior Amenities

Pool Area	800 sqft
Porch	Porch
Porch Area	264 sqft
Deck Area	48 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	13048
Street Address	1173 COURTHOUSE RD
City	PALMYRA
State	VA
Zip	22963-4743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 180000556 AC 2.0
Legal Lot Number	A
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1054
Census Tract	20200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1173 COURTHOUSE RD, PALMYRA, VA 22963-4743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS & LOAN
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Feb 26, 2018	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Deed Document Number	2018556
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1173 COURTHOUSE RD, PALMYRA, VA 22963-4743
Transaction Type	Mortgage
Record Updated	Jun 28, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001470
Date	Jun 2, 2023
Instrument	230001470

Lender

Name	THIRD FEDERAL SAVINGS & LOAN
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2053

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1173 COURTHOUSE RD, PALMYRA, VA 22963-4743
Transaction Type	Mortgage
Record Updated	Mar 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200000676
Date	Feb 26, 2020
Instrument	200000676

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 26, 2018
Property Address	1173 COURTHOUSE RD, PALMYRA, VA 22963-4743
Document Number	1800556
Map Reference	PB 245 PG 232
Instrument Date	Feb 22, 2018
Instrument	1800556
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO 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	1173 COURTHOUSE RD, PALMYRA, VA 22963-4743

Mortgage

Document Number	1800557
Date	Feb 26, 2018
Instrument	1800557

Lender

Name	ATLANTIC COAST MORTGAGE

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		$419,800 (-) Land $35,000 Building $384,800	$419,800 (-) Land $35,000 Building $384,800
2025	$3,169.00 (+14.65%)	$419,800 (+28.18%) Land $35,000 Building $384,800	$419,800 (+28.18%) Land $35,000 Building $384,800
2023		$327,500 Land $35,000 Building $292,500	$327,500 Land $35,000 Building $292,500
2022	$2,764.00

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
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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	0.03% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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