1709 Courthouse Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1709 Courthouse Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,355 sqft · built 1993
Lot Size	3.36 acres (146,492 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Feb 2026)
Tax Bill	$2,339 (2025)
Deeds & Mortgages	May 2005 Mortgage Oct 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`31 10 1`

Property Details

APN / Parcel Number

Primary APN	`31 10 1`
Alternative APN	`12656`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,355 sqft Living Area
Gross Area	2,809 sqft
1st Floor Area	1,047 sqft
Basement Area	616 sqft
Finished Basement	616 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	146,492 sqft (3.36 acres)
Terrain	Wooded

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	112 sqft
Deck Area	572 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12656
Street Address	1709 COURTHOUSE RD
City	PALMYRA
State	VA
Zip	22963-4562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 747-13 AC 3.363 OAK CREEK
Legal Subdivision	OAK CREEK
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1059
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	1709 COURTHOUSE RD, PALMYRA, VA 22963-4562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2005	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO
Oct 26, 2007	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Oct 17, 2011	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Sep 15, 2014	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK
Feb 19, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2026 · Amount on Record
Deed Sale	Feb 19, 2026 · Amount on Record
Prior Sale	Oct 26, 2007 · Amount on Record
Deed Document Number	2026477
Record Updated	Sep 20, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1709 COURTHOUSE RD, PALMYRA, VA 22963-4562
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000633/656
Date	May 25, 2005
Book Page	633/656
Instrument	3393

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	HENDERSONVILLE, NC 28793

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jun 1, 2010
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year T-Bill
Max Rate	11.8%

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1709 COURTHOUSE RD, PALMYRA, VA 22963-4562
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000747/015
Date	Oct 26, 2007
Book Page	747/015
Instrument	5848

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2037

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1709 COURTHOUSE RD, PALMYRA, VA 22963-4562
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	TITLE FIRST NATIONAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000851/586
Date	Oct 17, 2011
Book Page	851/586
Instrument	1103162

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2026

September 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1709 COURTHOUSE RD, PALMYRA, VA 22963-4562
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	TITLE FIRST

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001402519
Date	Sep 15, 2014
Instrument	1402519

Lender

Name	STATE FARM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2044

Interest

Rate Type	Fixed Rate

February 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 19, 2026
Property Address	1709 COURTHOUSE RD, PALMYRA, VA 22963-4562
Document Number	0260000477
Map Reference	MB 220 PG 846
Instrument Date	Feb 4, 2026
Instrument	260000477
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1709 COURTHOUSE RD, PALMYRA, VA 22963-4562

Mortgage

Document Number	0260000478
Date	Feb 19, 2026
Instrument	260000478

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

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		$309,900 (-) Land $41,100 Building $268,800	$309,900 (-) Land $41,100 Building $268,800
2025	$2,339.00 (+0.65%)	$309,900 (+29.45%) Land $41,100 Building $268,800	$309,900 (+29.45%) Land $41,100 Building $268,800
2024	$2,324.00 (+15.05%)
2023		$239,400 Land $41,100 Building $198,300	$239,400 Land $41,100 Building $198,300
2022	$2,020.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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 15 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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