13 Monish Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 13 Monish Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,186 sqft · built 1979
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,000 (Nov 2023)
Tax Bill	$2,703 (2025)
Deeds & Mortgages	May 2024 Sale Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 357`

Property Details

APN / Parcel Number

Primary APN	`18A 5 357`
Alternative APN	`1765`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,186 sqft Living Area
Gross Area	3,773 sqft
1st Floor Area	1,186 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	340 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1765
Street Address	13 MONISH DR
City	PALMYRA
State	VA
Zip	22963-2909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230003221 TUFTON-5 LOT 357 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	35
Legal Lot Number	357
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2016
Census Tract	20104

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 Individual Names on Record
Mailing Address	13 MONISH DR, PALMYRA, VA 22963-2909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2024	Deed, Transfer
Nov 21, 2023	Bargain and Sale Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 15, 2019	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2023 · Amount on Record
Deed Sale	Nov 21, 2023 · Amount on Record
Prior Sale	Oct 15, 2019 · Amount on Record
Deed Document Number	20233221
Record Updated	Sep 20, 2026

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 24, 2024
Property Address	13 MONISH DR, PALMYRA, VA 22963-2909
Document Number	0240001272
Map Reference	DB 86 PG 402
Instrument Date	May 21, 2024
Instrument	240001272
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 MONISH DR, PALMYRA, VA 22963-2909

November 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 21, 2023
Property Address	13 MONISH DR, PALMYRA, VA 22963-2909
Document Number	0230003221
Map Reference	DB 86 PG 402
Instrument Date	Nov 15, 2023
Instrument	230003221
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 MONISH DR, PALMYRA, VA 22963-2909

Mortgage

Document Number	0230003222
Date	Nov 21, 2023
Instrument	230003222

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 15, 2019
Property Address	13 MONISH DR, PALMYRA, VA 22963-2909
Document Number	0001903110
Map Reference	PB 86 PG 402
Instrument Date	Oct 10, 2019
Instrument	1903110
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 BLACKSMITH TER, PALMYRA, VA 22963-2563

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		$358,100 (-) Land $30,000 Building $328,100	$358,100 (-) Land $30,000 Building $328,100
2025	$2,703.00 (+0.67%)	$358,100 (+49.08%) Land $30,000 Building $328,100	$358,100 (+49.08%) Land $30,000 Building $328,100
2024	$2,685.00 (+32.46%)
2023		$240,200 Land $30,000 Building $210,200	$240,200 Land $30,000 Building $210,200
2022	$2,027.00

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

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	0.02% 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 178 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

May also be available: Verizon.

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