17 Chatham Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 17 Chatham Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,656 sqft · built 1996
Lot Size	0.345 acres (15,028 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Aug 2021)
Tax Bill	$4,523 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18A 1 343`

Property Details

APN / Parcel Number

Primary APN	`18A 1 343`
Alternative APN	`5534`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,656 sqft Living Area
Gross Area	4,290 sqft
1st Floor Area	1,560 sqft
Basement Area	1,136 sqft
Finished Basement	279 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,028 sqft (0.345 acres)
Terrain	Steep
View / Lot	Waterfront
Garage Type	Built-in
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	576 sqft
Deck Area	168 sqft
Patio Area	234 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5534
Street Address	17 CHATHAM LN
City	PALMYRA
State	VA
Zip	22963-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210004116 ASHLAWN-1 LOT 343 15,023 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	34
Legal Lot Number	343
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

17 Chatham Ln is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	17 CHATHAM LN, PALMYRA, VA 22963-2101
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
Aug 17, 2021	Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Aug 27, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2021 · Amount on File
Deed Sale	Aug 17, 2021 · Amount on File
Prior Sale	Oct 12, 2016 · Amount on File
Deed Document Number	20214116
Prior Transfer Date	Aug 21, 2018
Prior Transfer Doc	0000002646
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 17, 2021
Property Address	17 CHATHAM LN, PALMYRA, VA 22963-2101
Document Number	0210004116
Map Reference	DB 76 PG 206
Instrument Date	Jul 2, 2021
Instrument	210004116
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CHATHAM LN, PALMYRA, VA 22963-2101

Mortgage

Document Number	0210004117
Date	Aug 17, 2021
Instrument	210004117

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Aug 27, 2018
Property Address	17 CHATHAM LN, PALMYRA, VA 22963-2101
Document Number	1802646
Map Reference	PB 76 PG 206
Instrument Date	Aug 21, 2018
Instrument	1802646
Transaction Type	Transfer
Record Updated	Jul 27, 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	17 CHATHAM LN, PALMYRA, VA 22963-2101

Tax Assessment & Valuation

The 2025 property tax bill for 17 Chatham Ln was $4,523.

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		$599,100 (-) Land $171,000 Building $428,100	$599,100 (-) Land $171,000 Building $428,100
2025	$4,523.00	$599,100 Land $171,000 Building $428,100	$599,100 Land $171,000 Building $428,100
2023		$501,700 Land $171,000 Building $330,700	$501,700 Land $171,000 Building $330,700
2022	$4,234.00

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

Flood

FEMA maps place 17 Chatham 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 17 Chatham 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 257 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: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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