2 Elm Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2 Elm Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,512 sqft · built 1996
Lot Size	0.389 acres (16,945 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Dec 2022)
Tax Bill	$2,675 (2025)
Deeds & Mortgages	Dec 2012 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 3 97`

Property Details

APN / Parcel Number

Primary APN	`18A 3 97`
Alternative APN	`7631`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
Gross Area	3,288 sqft
1st Floor Area	1,512 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,945 sqft (0.389 acres)
Terrain	Rolling
View / Lot	Corner
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	72 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7631
Street Address	2 ELM CT
City	PALMYRA
State	VA
Zip	22963-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220004576 MONTPELIER-3 LOT 97 16,965 SF
Legal Block	9
Legal Lot Number	97
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
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	Individual Name on Record
Mailing Address	2 ELM CT, PALMYRA, VA 22963-2107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2012	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO
Dec 21, 2022	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Deed Document Number	20224576
Record Updated	Sep 20, 2026

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 ELM CT, PALMYRA, VA 22963-2107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	BRIDGETRUST TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000882/647
Date	Dec 27, 2012
Book Page	882/647
Instrument	1204595

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2043

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 21, 2022
Property Address	2 ELM CT, PALMYRA, VA 22963-2107
Document Number	0220004576
Map Reference	DB 80 PG 35
Instrument Date	Dec 16, 2022
Instrument	220004576
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 ELM CT, PALMYRA, VA 22963-2107

Mortgage

Document Number	0220004577
Date	Dec 21, 2022
Instrument	220004577

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

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		$354,400 (-) Land $30,000 Building $324,400	$354,400 (-) Land $30,000 Building $324,400
2025	$2,675.00 (+21.48%)	$354,400 (+35.79%) Land $30,000 Building $324,400	$354,400 (+35.79%) Land $30,000 Building $324,400
2023		$261,000 Land $30,000 Building $231,000	$261,000 Land $30,000 Building $231,000
2022	$2,202.00

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 257 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: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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