14 Blacksmith Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 14 Blacksmith Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,508 sqft · built 1993
Lot Size	0.393 acres (17,119 sqft)
Owner	Individual Name on File
Last Sale	$318,000 (Apr 2019)
Tax Bill	$3,204 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 4 436`

Property Details

APN / Parcel Number

Primary APN	`18A 4 436`
Alternative APN	`5239`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,508 sqft Living Area
Gross Area	3,792 sqft
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Finished Basement	451 sqft
Sunroom	Sunroom
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,119 sqft (0.393 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	192 sqft
Deck Area	100 sqft
Gazebo	Gazebo
Putting Green	Putting Green

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5239
Street Address	14 BLACKSMITH TER
City	PALMYRA
State	VA
Zip	22963-2563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190001065 FAIRWAY-4 LOT 436 17,139 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	43
Legal Lot Number	436
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2004
Census Tract	20103

Owner

Source: Fluvanna County assessment roll, 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 File
Mailing Address	14 BLACKSMITH TER, PALMYRA, VA 22963-2563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK
Apr 17, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 17, 2019 · Amount on Record
Deed Sale	Apr 17, 2019 · Amount on Record
Deed Document Number	20191065
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	14 BLACKSMITH TER, PALMYRA, VA 22963-2563
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210003834
Date	Aug 2, 2021
Instrument	210003834

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

April 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 17, 2019
Property Address	14 BLACKSMITH TER, PALMYRA, VA 22963-2563
Document Number	1901065
Map Reference	PB 96 PG 170
Instrument Date	Feb 27, 2019
Instrument	1901065
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
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	14 BLACKSMITH TER, PALMYRA, VA 22963-2563

Mortgage

Document Number	1901066
Date	Apr 17, 2019
Instrument	1901066

Lender

Name	WELLS FARGO BANK

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		$424,500 (-) Land $55,000 Building $369,500	$424,500 (-) Land $55,000 Building $369,500
2025	$3,204.00 (+8.76%)	$424,500 (+21.6%) Land $55,000 Building $369,500	$424,500 (+21.6%) Land $55,000 Building $369,500
2023		$349,100 Land $55,000 Building $294,100	$349,100 Land $55,000 Building $294,100
2022	$2,946.00

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	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Central Virginia Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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