189 Thomas Farm Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 189 Thomas Farm Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 672 sqft · built 1951
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Dec 2009)
Tax Bill	$2,282 (2025)
Deeds & Mortgages	Dec 2009 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`8 A 25`

Property Details

APN / Parcel Number

Primary APN	`8 A 25`
Alternative APN	`6591`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	672 sqft Living Area
Gross Area	1,012 sqft
1st Floor Area	672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1974
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	276 sqft
Deck Area	128 sqft
Pole Barn	Pole Barn
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6591
Street Address	189 THOMAS FARM LN
City	PALMYRA
State	VA
Zip	22963-4239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 808-776 AC 2.5
Legal Block	25
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1002
Census Tract	20104

Owner

189 Thomas Farm Ln is owned by two individuals who bought it in December 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	4336 PAYNE RD, COLUMBIA, VA 23038-2330
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2009 · Amount on File
Deed Sale	Dec 14, 2009 · Amount on File
Deed Document Number	20094859
Deed Book / Page	808 / 776
Record Updated	Sep 20, 2026

December 2009: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 14, 2009
Property Address	189 THOMAS FARM LN, PALMYRA, VA 22963-4239
Document Number	808/776
Book / Page	808 / 776
Map Reference	DD101 PG480
Instrument Date	Dec 10, 2009
Instrument	0904859
Transaction Type	Foreclosure
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 WOODLAWN DR, PALMYRA, VA 22963-2732

Mortgage

Document Number	000808/785
Date	Dec 14, 2009
Book Page	808/785
Instrument	4860

Lender

Name	PROSPECT MORTGAGE LLC
Type	Mortgage Company
Address	SHERMAN OAKS, CA 91403

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 189 Thomas Farm Ln was $2,282.

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		$302,280 (-) Land $47,300 Building $254,980	$302,280 (-) Land $47,300 Building $254,980
2025	$2,282.00	$302,280 Land $47,300 Building $254,980	$302,280 Land $47,300 Building $254,980
2023		$213,600 Land $47,300 Building $166,300	$213,600 Land $47,300 Building $166,300
2022	$1,802.00

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

Flood

FEMA maps place 189 Thomas Farm 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 189 Thomas Farm Ln is low, with a 0.01% 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	0.01% 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 187 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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