2 Holly Cir, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2 Holly Cir, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,528 sqft · built 2005
Lot Size	0.376 acres (16,379 sqft)
Owner	Individual Name on File
Last Sale	$407,000 (Feb 2023)
Tax Bill	$2,947 (2025)
Deeds & Mortgages	Oct 2005 Mortgage Dec 2005 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18A 7 134`

Property Details

APN / Parcel Number

Primary APN	`18A 7 134`
Alternative APN	`9530`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,528 sqft Living Area
Gross Area	3,512 sqft
1st Floor Area	2,240 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,379 sqft (0.376 acres)
Terrain	Rolling
View / Lot	Corner
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9530
Street Address	2 HOLLY CIR
City	PALMYRA
State	VA
Zip	22963-3355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230000418 CROFTON-7 LOT 134 16,365 SF
Legal Subdivision	CROFTON
Legal Block	13
Legal Lot Number	134
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1020
Census Tract	20104

Owner

2 Holly Cir is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2 HOLLY CIR, PALMYRA, VA 22963-3355
Occupancy	Owner Occupied
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

Date	Document
Oct 18, 2005	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE FINANCIAL CORP
Dec 21, 2005	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NA
Feb 8, 2007	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NA
Aug 11, 2009	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Jun 23, 2006	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NA
Feb 17, 2023	Deed, Transfer · VA Mortgage BARRETT FINANCIAL GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2023 · Amount on File
Deed Sale	Feb 17, 2023 · Amount on File
Prior Sale	Aug 11, 2009 · Amount on File
Deed Document Number	2023418
Record Updated	Oct 29, 2026

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 HOLLY CIR, PALMYRA, VA 22963-3355
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000657/001
Date	Oct 18, 2005
Book Page	657/001
Instrument	7183

Lender

Name	PINNACLE FINANCIAL CORP
Type	Funding / Finance Company
Address	ORLANDO, FL 32804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2035

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 HOLLY CIR, PALMYRA, VA 22963-3355
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000665/283
Date	Dec 21, 2005
Book Page	665/283
Instrument	8660

Lender

Name	WACHOVIA BANK NA
Type	Bank
Address	CHARLOTTE, NC 28288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 8, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 HOLLY CIR, PALMYRA, VA 22963-3355
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000716/050
Date	Feb 8, 2007
Book Page	716/050
Instrument	0684

Lender

Name	WACHOVIA BANK NA
Type	Bank
Address	CHARLOTTE, NC 28288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 15, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 HOLLY CIR, PALMYRA, VA 22963-3355
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000800/263
Date	Aug 11, 2009
Book Page	800/263
Instrument	0903239

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2039

Interest

Rate	5.37%

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 HOLLY CIR, PALMYRA, VA 22963-3355
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000688/739
Date	Jun 23, 2006
Book Page	688/739
Instrument	3657

Lender

Name	WACHOVIA BANK NA
Type	Bank
Address	CHARLOTTE, NC 28288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 13, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 17, 2023
Property Address	2 HOLLY CIR, PALMYRA, VA 22963-3355
Document Number	0230000418
Map Reference	DB 86 PG 412-414
Instrument Date	Feb 3, 2023
Instrument	230000418
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
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 HOLLY CIR, PALMYRA, VA 22963-3355

Mortgage

Document Number	0230000419
Date	Feb 17, 2023
Instrument	230000419

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2 Holly Cir was $2,947.

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		$390,400 (-) Land $30,000 Building $360,400	$390,400 (-) Land $30,000 Building $360,400
2025	$2,947.00	$390,400 Land $30,000 Building $360,400	$390,400 Land $30,000 Building $360,400
2023		$318,100 Land $30,000 Building $288,100	$318,100 Land $30,000 Building $288,100
2022	$2,684.00

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

Flood

FEMA maps place 2 Holly Cir 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 2 Holly Cir 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	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 219 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: Brightspeed, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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