149 Keys Mill Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 149 Keys Mill Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1999
Lot Size	10.2 acres (446,969 sqft)
Owner	Individual Name on Record
Last Sale	$226,000 (May 2022)
Tax Bill	$1,405 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43 7 1`

Property Details

APN / Parcel Number

Primary APN	`43 7 1`
Alternative APN	`12970`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	3,684 sqft
1st Floor Area	1,680 sqft
Attic	Attic
Attic Area	672 sqft
Basement Area	1,798 sqft
Finished Basement	1,798 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2007
Architectural Style	Mobile Home
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	446,969 sqft (10.2 acres)
Terrain	Marsh
Garage Area	486 sqft

Exterior Amenities

Porch	Patio
Porch Area	112 sqft
Deck Area	36 sqft
Patio Area	128 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	12970
Street Address	149 KEYS MILL LN
City	PALMYRA
State	VA
Zip	22963-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 240001916 AC 10.261 CEDAR LANE VISTAS
Legal Subdivision	CEDAR LANE VISTAS
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	2
Census Block	2025
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	149 KEYS MILL LN, PALMYRA, VA 22963-4544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Jul 30, 2020	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Dec 20, 2006 · Amount on Record
Deed Document Number	20221949
Record Updated	Sep 20, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 26, 2022
Property Address	149 KEYS MILL LN, PALMYRA, VA 22963-4544
Document Number	0220001949
Map Reference	DB 297 PG 793
Instrument Date	May 17, 2022
Instrument	220001949
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	WFG NATIONAL TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$452.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 KEYS MILL LN, PALMYRA, VA 22963-4544

Mortgage

Document Number	0220001950
Date	May 26, 2022
Instrument	220001950

Lender

Name	CALIBER HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 30, 2020
Property Address	149 KEYS MILL LN, PALMYRA, VA 22963-4544
Document Number	0200002797
Map Reference	DB 163 PG 618
Instrument Date	Jul 17, 2020
Instrument	200002797
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$413.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	873 PAYNES MILL RD, TROY, VA 22974-3608

Mortgage

Document Number	0200002798
Date	Jul 30, 2020
Instrument	200002798

Lender

Name	FIRST HERITAGE 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		$186,100 (-) Land $72,200 Building $113,900	$186,100 (-) Land $72,200 Building $113,900
2025	$1,405.00 (-0.57%)	$186,100 (+11.1%) Land $72,200 Building $113,900	$186,100 (+11.1%) Land $72,200 Building $113,900
2023		$167,500 Land $72,200 Building $95,300	$167,500 Land $72,200 Building $95,300
2022	$1,413.00

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 Claims	5 (1985–1996)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 2 claims

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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