19 Chippewa Ln, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 2002
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jul 2020)
Tax Bill	$1,854 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 10 88`

Property Details

APN / Parcel Number

Primary APN	`18A 10 88`
Alternative APN	`6830`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	2,948 sqft
1st Floor Area	1,344 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Porch	Slab
Porch Area	120 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6830
Street Address	19 CHIPPEWA LN
City	PALMYRA
State	VA
Zip	22963-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200002382 CHEROKEE-10 LOT 88 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	8
Legal Lot Number	88
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1009
Census Tract	20104

Owner

19 Chippewa Ln is owned and occupied by an individual who bought it in July 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	19 CHIPPEWA LN, PALMYRA, VA 22963-3106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE
Mar 21, 2017	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2020 · Amount on File
Deed Sale	Jul 1, 2020 · Amount on File
Prior Sale	Mar 21, 2017 · Amount on File
Deed Document Number	20202382
Record Updated	Sep 20, 2026

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 1, 2020
Property Address	19 CHIPPEWA LN, PALMYRA, VA 22963-3106
Document Number	200002382
Map Reference	DB 103 PG 334
Instrument Date	Jun 26, 2020
Instrument	200002382
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE GUARANT CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 CHIPPEWA LN, PALMYRA, VA 22963-3106

Mortgage

Document Number	200002383
Date	Jul 1, 2020
Instrument	200002383

Lender

Name	WATERSTONE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0200002384
Date	Jul 1, 2020
Instrument	200002384

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 21, 2017
Property Address	19 CHIPPEWA LN, PALMYRA, VA 22963-3106
Document Number	1700876
Map Reference	PB 103 PG 334
Instrument Date	Mar 3, 2017
Instrument	1700876
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 CHIPPEWA LN, PALMYRA, VA 22963-3106

Mortgage

Document Number	1700877
Date	Mar 21, 2017
Instrument	1700877

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 19 Chippewa Ln was $1,854.

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		$245,600 (-) Land $27,000 Building $218,600	$245,600 (-) Land $27,000 Building $218,600
2025	$1,854.00	$245,600 Land $27,000 Building $218,600	$245,600 Land $27,000 Building $218,600
2023		$199,300 Land $27,000 Building $172,300	$199,300 Land $27,000 Building $172,300
2022	$1,682.00

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

Flood

FEMA maps place 19 Chippewa 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 19 Chippewa 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 103 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: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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