16 Monish Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 16 Monish Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,718 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$272,000 (Oct 2020)
Tax Bill	$3,159 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 353`

Property Details

APN / Parcel Number

Primary APN	`18A 5 353`
Alternative APN	`5569`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,718 sqft Living Area
Gross Area	3,220 sqft
1st Floor Area	1,648 sqft
Basement Area	878 sqft
Finished Basement	878 sqft
Bonus Room	Bonus Room
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	212 sqft
Deck Area	272 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5569
Street Address	16 MONISH DR
City	PALMYRA
State	VA
Zip	22963-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200004272 TUFTON-5 LOT 353 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	35
Legal Lot Number	353
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2011
Census Tract	20104

Owner

Source: Fluvanna County records, as of July 21, 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	16 MONISH DR, PALMYRA, VA 22963-2911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICE LINK LP, SERVICE LINK
Feb 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Feb 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Oct 23, 2020	Deed, Transfer · Conventional Mortgage FINANCE AMERICA MTG LLC
Sep 16, 2019	Intrafamily Transfer, Transfer
Jul 10, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Jun 28, 2005 · Amount on Record
Deed Document Number	20204272
Prior Transfer Date	Sep 5, 2019
Prior Transfer Doc	0000002770
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Jun 24, 2026
Property Address	16 MONISH DR, PALMYRA, VA 22963-2911
Document Number	0000001895
Instrument Date	Apr 6, 2026
Instrument	20261895
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICE LINK LP, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MONISH DR, PALMYRA, VA 22963-2911

Mortgage

Document Number	0000001895,
Date	Jun 24, 2026
Instrument	20261895

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Mar 1, 2052

Interest

Rate	6%
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	16 MONISH DR, PALMYRA, VA 22963-2911
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001800468
Date	Feb 16, 2018
Instrument	1800468

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	16 MONISH DR, PALMYRA, VA 22963-2911
Transaction Type	Mortgage
Record Updated	Dec 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001800469
Date	Feb 16, 2018
Instrument	1800469

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2038

Interest

Rate Type	Fixed Rate

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 23, 2020
Property Address	16 MONISH DR, PALMYRA, VA 22963-2911
Document Number	0200004272
Map Reference	DB 86 PG 402
Instrument Date	Oct 20, 2020
Instrument	200004272
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MONISH DR, PALMYRA, VA 22963-2911

Mortgage

Document Number	0200004273
Date	Oct 23, 2020
Instrument	200004273

Lender

Name	FINANCE AMERICA MTG LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Sep 16, 2019
Property Address	16 MONISH DR, PALMYRA, VA 22963-2911
Document Number	0001902770
Map Reference	PB 86 PG 402
Instrument Date	Sep 5, 2019
Instrument	1902770
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MONISH DR, PALMYRA, VA 22963-2911

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jul 10, 2017
Property Address	16 MONISH DR, PALMYRA, VA 22963-2911
Document Number	0001702194
Map Reference	PB 86 PG 402
Instrument Date	May 24, 2017
Instrument	1702194
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MONISH DR, PALMYRA, VA 22963-2911

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		$418,500 (-) Land $30,000 Building $388,500	$418,500 (-) Land $30,000 Building $388,500
2025	$3,159.00 (+19.89%)	$418,500 (+34.01%) Land $30,000 Building $388,500	$418,500 (+34.01%) Land $30,000 Building $388,500
2023		$312,300 Land $30,000 Building $282,300	$312,300 Land $30,000 Building $282,300
2022	$2,635.00

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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