19 Acre Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 19 Acre Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,852 sqft · built 2004
Lot Size	1 acres (43,604 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,654 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 11A 10`

Property Details

APN / Parcel Number

Primary APN	`18A 11A 10`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,852 sqft Living Area
Gross Area	5,763 sqft
1st Floor Area	2,484 sqft
Basement Area	1,322 sqft
Finished Basement	1,322 sqft
Unfinished Basement	1,322 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,604 sqft (1 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	305 sqft
Deck Area	192 sqft
Patio Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	19 ACRE LN
City	PALMYRA
State	VA
Zip	22963-2648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 991-347 AC 1.001 THE ACRES
Legal Subdivision	LAKE MONTICELLO
Legal Block	1
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	3
Census Block	3022
Census Tract	20104

Owner

Source: Fluvanna County records, as of October 20, 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	19 ACRE LN, PALMYRA, VA 22963-2648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBER OPTIONS LLC
Jul 24, 2017	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2017
Deed Sale	Jul 24, 2017
Prior Sale	Jan 6, 2012 · Amount on Record
Deed Document Number	20172350
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	19 ACRE LN, PALMYRA, VA 22963-2648
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210004235
Date	Aug 24, 2021
Instrument	210004235

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 24, 2017
Property Address	19 ACRE LN, PALMYRA, VA 22963-2648
Document Number	1702350
Map Reference	PB 1 PG 265
Instrument Date	Jul 21, 2017
Instrument	1702350
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 ACRE LN, PALMYRA, VA 22963-2648

Mortgage

Document Number	1702351
Date	Jul 24, 2017
Instrument	1702351

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$616,500 (+28.2%) Land $33,000 Building $583,500	$616,500 (+28.2%) Land $33,000 Building $583,500
2025	$4,654.00 (+14.69%)
2023		$480,900 Land $33,000 Building $447,900	$480,900 Land $33,000 Building $447,900
2022	$4,058.00

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	7 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 214 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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