Fluvanna County property record for 2 Dow Ct, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,666 sqft · built 1989 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,659 (2025) |
| Deeds & Mortgages | Aug 2006 Mortgage Nov 2006 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 8 45 |
| Primary APN | 18A 8 45 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,666 sqft Living Area |
| Gross Area | 3,829 sqft |
| 1st Floor Area | 1,618 sqft |
| Basement Area | 984 sqft |
| Finished Basement | 588 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 24,394 sqft (0.56 acres) |
| Terrain | Rolling |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 25 sqft |
| Gazebo | Gazebo |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3704 |
|---|---|
| Street Address | 2 DOW CT |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | DB 774-680 NAHOR-8 LOT 45 24,383 SF |
| Legal Subdivision | NAHOR |
| Legal Block | 4 |
| Legal Lot Number | 45 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20103 |
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 | 2 DOW CT, PALMYRA, VA 22963-2646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2006 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY MORTGAGE |
| Nov 1, 2006 | Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK |
| Oct 2, 2012 | Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC |
| Aug 29, 2008 | Special Warranty Deed, Transfer · Conventional Mortgage NATIONAL CITY MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 25, 2008 |
| Transfer Doc | 774/682 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 2 DOW CT, PALMYRA, VA 22963-2646 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000694/927 |
|---|---|
| Date | Aug 7, 2006 |
| Book Page | 694/927 |
| Instrument | 4628 |
| Name | NATIONAL CITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2036 |
| Rate | 7% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 2 DOW CT, PALMYRA, VA 22963-2646 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000705/641 |
|---|---|
| Date | Nov 1, 2006 |
| Book Page | 705/641 |
| Instrument | 6506 |
| Name | NATIONAL CITY BANK |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 27, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 2 DOW CT, PALMYRA, VA 22963-2646 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000875/594 |
|---|---|
| Date | Oct 2, 2012 |
| Book Page | 875/594 |
| Instrument | 1203451 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2042 |
| Rate | 4.12% |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Aug 29, 2008 |
| Property Address | 2 DOW CT, PALMYRA, VA 22963-2646 |
| Document Number | 000774/680 |
| Book / Page | 774 / 680 |
| Map Reference | DD89 PG637-640 |
| Instrument Date | Aug 25, 2008 |
| Instrument | 3984 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | SOUTHERN TITLE INSURANCE COM |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2 DOW CT, PALMYRA, VA 22963-2646 |
| Investor | Possibly a Property Investor |
| Document Number | 000774/682 |
|---|---|
| Date | Aug 29, 2008 |
| Book Page | 774/682 |
| Instrument | 3985 |
| Name | NATIONAL CITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2038 |
| Rate | 7.25% |
|---|
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $352,200 (-) Land $33,000 Building $319,200 | $352,200 (-) Land $33,000 Building $319,200 | |
| 2025 | $2,659.00 (+0.68%) | $352,200 (+30.69%) Land $33,000 Building $319,200 | $352,200 (+30.69%) Land $33,000 Building $319,200 |
| 2024 | $2,641.00 (+16.14%) | ||
| 2023 | $269,500 Land $33,000 Building $236,500 | $269,500 Land $33,000 Building $236,500 | |
| 2022 | $2,274.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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.
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 |
| 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.
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 |
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