18 Forest Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 18 Forest Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,824 sqft · built 1986
Lot Size	0.457 acres (19,907 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,000 (Jul 2020)
Tax Bill	$2,041 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 3 187`

Property Details

APN / Parcel Number

Primary APN	`18A 3 187`
Alternative APN	`5892`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	3,310 sqft
1st Floor Area	1,824 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,907 sqft (0.457 acres)
Terrain	Rolling
Porch	Slab
Porch Area	72 sqft
Deck Area	214 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5892
Street Address	18 FOREST DR
City	PALMYRA
State	VA
Zip	22963-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200004788 MONTPELIER-3 LOT 187 19,893 SF
Legal Subdivision	MONTPELIER
Legal Block	18
Legal Lot Number	187
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1005
Census Tract	20103

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	2 Individual Names on Record
Mailing Address	18 FOREST DR, PALMYRA, VA 22963-2120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 14, 2020	Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on Record
Deed Sale	Jul 14, 2020 · Amount on Record
Prior Sale	Jul 28, 2009 · Amount on Record
Deed Document Number	20202529
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	18 FOREST DR, PALMYRA, VA 22963-2120
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	CLOSURE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 FOREST DR, PALMYRA, VA 22963-2120

Mortgage

Document Number	0250003389
Date	Nov 5, 2025
Instrument	250003389

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 14, 2020
Property Address	18 FOREST DR, PALMYRA, VA 22963-2120
Document Number	200002529
Map Reference	DB 81 PG 551
Instrument Date	Jul 1, 2020
Instrument	200002529
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$224.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3201 DARBY RD, KESWICK, VA 22947-2721

Mortgage

Document Number	200002530
Date	Jul 14, 2020
Instrument	200002530

Lender

Name	RESIDENTIAL MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0200002531
Date	Jul 14, 2020
Instrument	200002531

Lender

Name	RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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		$270,400 (-) Land $30,000 Building $240,400	$270,400 (-) Land $30,000 Building $240,400
2025	$2,041.00 (+12.95%)	$270,400 (+26.24%) Land $30,000 Building $240,400	$270,400 (+26.24%) Land $30,000 Building $240,400
2023		$214,200 Land $30,000 Building $184,200	$214,200 Land $30,000 Building $184,200
2022	$1,807.00

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	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

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	0.01% 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 256 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

Cell Coverage

5G (outdoors only) and 4G LTE

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