12 Whinchat Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 12 Whinchat Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,788 sqft · built 1978
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Company Names on Record
Last Sale	$915,000 (Jan 2026)
Tax Bill	$4,276 (2025)
Deeds & Mortgages	Oct 2009 Line of Credit Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 436`

Property Details

APN / Parcel Number

Primary APN	`18A 3 436`
Alternative APN	`4117`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	3,626 sqft
1st Floor Area	1,138 sqft
Basement Area	455 sqft
Finished Basement	455 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Deck Area	132 sqft
Patio Area	272 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	4117
Street Address	12 WHINCHAT LN
City	PALMYRA
State	VA
Zip	22963-2242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 220-18 MONTPELIER-3 LOT 436 15,249 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	43
Legal Lot Number	436
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

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	2 Company Names on Record
Mailing Address	12 WHINCHAT LN, PALMYRA, VA 22963-2242
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2009	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Jan 16, 2026	Deed, Transfer · Conventional Mortgage KIND LENDING LLC
May 21, 2025	Deed, Transfer · Commercial Mortgage THE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	May 21, 2025 · Amount on Record
Deed Document Number	2026160
Record Updated	Sep 20, 2026

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	12 WHINCHAT LN, PALMYRA, VA 22963-2242
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000806/100
Date	Oct 30, 2009
Book Page	806/100
Instrument	4320

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 16, 2026
Property Address	12 WHINCHAT LN, PALMYRA, VA 22963-2242
Document Number	0260000160
Instrument Date	Jan 14, 2026
Instrument	260000160
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$915.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	12 WHINCHAT LN, PALMYRA, VA 22963-2242

Mortgage

Document Number	0260000161
Date	Jan 16, 2026
Instrument	260000161

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

May 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 21, 2025
Property Address	12 WHINCHAT LN, PALMYRA, VA 22963-2242
Document Number	0250001468
Map Reference	DB 86 PG 395
Instrument Date	May 19, 2025
Instrument	250001468
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	55 MAPLEVALE DR, PALMYRA, VA 22963-2763

Mortgage

Document Number	0250001471
Date	May 21, 2025
Instrument	250001471

Lender

Name	THE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$566,400 (%) Land $190,000 Building $376,400	$566,400 (%) Land $190,000 Building $376,400
2025	$4,276.00 (+0.66%)	$566,420 (+16.84%) Land $190,000 Building $376,420	$566,420 (+16.84%) Land $190,000 Building $376,420
2024	$4,248.00 (+3.84%)
2023		$484,800 Land $190,000 Building $294,800	$484,800 Land $190,000 Building $294,800
2022	$4,091.00

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	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

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	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 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 (outdoors only) and 4G LTE

Nearby Properties on Whinchat Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures