2 Lafayette Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2 Lafayette Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,661 sqft · built 2005
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Sep 2021)
Tax Bill	$3,204 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 441`

Property Details

APN / Parcel Number

Primary APN	`18A 5 441`
Alternative APN	`10552`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,661 sqft Living Area
Gross Area	3,402 sqft
1st Floor Area	2,288 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Terrain	Rolling
View / Lot	Corner
Garage Area	497 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10552
Street Address	2 LAFAYETTE DR
City	PALMYRA
State	VA
Zip	22963-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210004772 TUFTON-5 LOT 441 17,425 SF
Legal Subdivision	TUFTON LAKE MONTICELLO
Legal Block	44
Legal Lot Number	441
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2004
Census Tract	20104

Owner

2 Lafayette Dr is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2 LAFAYETTE DR, PALMYRA, VA 22963-2932
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
Jun 12, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Aug 22, 2023	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
Sep 21, 2021	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MTG CORP
Sep 21, 2021	Intrafamily Transfer, Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2021 · Amount on File
Deed Sale	Sep 21, 2021 · Amount on File
Prior Sale	May 11, 2009 · Amount on File
Deed Document Number	20214772
Deed Book / Page	86 / 403
Prior Transfer Date	Sep 8, 2021
Prior Transfer Doc	0000004772
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Jun 12, 2026
Property Address	2 LAFAYETTE DR, PALMYRA, VA 22963-2932
Document Number	0000001766
Instrument Date	Dec 19, 2025
Instrument	20261766
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 LAFAYETTE DR, PALMYRA, VA 22963-2932
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001766,
Date	Jun 12, 2026
Instrument	20261766

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Interest

Rate	6.26%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 LAFAYETTE DR, PALMYRA, VA 22963-2932
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002296
Date	Aug 22, 2023
Instrument	230002296

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 LAFAYETTE DR, PALMYRA, VA 22963-2932
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004773
Date	Sep 21, 2021
Instrument	210004773

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Sep 21, 2021
Property Address	2 LAFAYETTE DR, PALMYRA, VA 22963-2932
Document Number	210004772
Map Reference	DB 86 PG 403
Instrument Date	Sep 8, 2021
Instrument	210004772
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 LAFAYETTE DR, PALMYRA, VA 22963-2932

Mortgage

Document Number	210004773
Date	Sep 21, 2021
Instrument	210004773

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2 Lafayette Dr was $3,204.

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		$424,400 (-) Land $30,000 Building $394,400	$424,400 (-) Land $30,000 Building $394,400
2025	$3,204.00	$424,400 Land $30,000 Building $394,400	$424,400 Land $30,000 Building $394,400
2023		$335,000 Land $30,000 Building $305,000	$335,000 Land $30,000 Building $305,000
2022	$2,827.00

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

Flood

FEMA maps place 2 Lafayette Dr 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	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.

Wildfire

Wildfire risk around 2 Lafayette Dr 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 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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