14 Chippewa Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 14 Chippewa Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,446 sqft · built 1995
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$389,000 (Mar 2023)
Tax Bill	$2,777 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 10 96`

Property Details

APN / Parcel Number

Primary APN	`18A 10 96`
Alternative APN	`5251`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,446 sqft Living Area
Gross Area	4,806 sqft
1st Floor Area	2,128 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	216 sqft
Deck Area	144 sqft
Balcony Area	6 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5251
Street Address	14 CHIPPEWA LN
City	PALMYRA
State	VA
Zip	22963-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230000738 CHEROKEE-10 LOT 96 15,000 SF
Legal Subdivision	CHEROKEE LAKE
Legal Block	9
Legal Lot Number	96
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1010
Census Tract	20104

Owner

14 Chippewa Ln is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	14 CHIPPEWA LN, PALMYRA, VA 22963-3102
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 7, 2024	Deed of Trust, Mortgage · VA Mortgage TRUSTED MORTGAGE CO
Mar 23, 2023	Deed, Transfer · VA Mortgage COMPASS MORTGAGE CORP
Oct 25, 2022	Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORP
May 1, 2020	Deed, Transfer · Conventional Mortgage TOWNE FIRST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2023 · Amount on File
Deed Sale	Mar 23, 2023 · Amount on File
Prior Sale	Oct 25, 2022 · Amount on File
Deed Document Number	2023738
Prior Transfer Date	Dec 5, 2014
Prior Transfer Doc	0000003507
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	14 CHIPPEWA LN, PALMYRA, VA 22963-3102
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000285
Date	Feb 7, 2024
Instrument	240000285

Lender

Name	TRUSTED MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 23, 2023
Property Address	14 CHIPPEWA LN, PALMYRA, VA 22963-3102
Document Number	0230000738
Map Reference	DB 103 PG 334
Instrument Date	Mar 8, 2023
Instrument	230000738
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$389.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 CHIPPEWA LN, PALMYRA, VA 22963-3102

Mortgage

Document Number	0230000739
Date	Mar 23, 2023
Instrument	230000739

Lender

Name	COMPASS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 25, 2022
Property Address	14 CHIPPEWA LN, PALMYRA, VA 22963-3102
Document Number	0220003810
Map Reference	DB 103 PG 334
Instrument Date	Oct 11, 2022
Instrument	220003810
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	14 CHIPPEWA LN, PALMYRA, VA 22963-3102

Mortgage

Document Number	0220003811
Date	Oct 25, 2022
Instrument	220003811

Lender

Name	BETTER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 1, 2020
Property Address	14 CHIPPEWA LN, PALMYRA, VA 22963-3102
Document Number	0200001517
Map Reference	DB 103 PG 334
Instrument Date	Apr 16, 2020
Instrument	200001517
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001518
Date	May 1, 2020
Instrument	200001518

Lender

Name	TOWNE FIRST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 14 Chippewa Ln was $2,777.

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		$367,900 (-) Land $30,000 Building $337,900	$367,900 (-) Land $30,000 Building $337,900
2025	$2,777.00	$367,900 Land $30,000 Building $337,900	$367,900 Land $30,000 Building $337,900
2023		$292,700 Land $30,000 Building $262,700	$292,700 Land $30,000 Building $262,700
2022	$2,470.00

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

Flood

FEMA maps place 14 Chippewa Ln 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 14 Chippewa Ln is low, with a 0.02% 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	0.02% 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 103 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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