2 Laurel Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2 Laurel Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 2003
Lot Size	0.364 acres (15,856 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Dec 2024)
Tax Bill	$2,151 (2025)
Deeds & Mortgages	Sep 2026 Sale Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 9 307`

Property Details

APN / Parcel Number

Primary APN	`18A 9 307`
Alternative APN	`2838`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	2,632 sqft
1st Floor Area	1,196 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,856 sqft (0.364 acres)
Terrain	Rolling
View / Lot	Corner
Porch	Slab
Porch Area	120 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2838
Street Address	2 LAUREL LN
City	PALMYRA
State	VA
Zip	22963-2451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240003371 KNOLLWOOD-9 LOT 307 15,860 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	30
Legal Lot Number	307
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1013
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 LAUREL LN, PALMYRA, VA 22963-2451
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Affidavit, Transfer
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BLUE RIDGE BANK
Dec 23, 2024	Deed, Transfer · Conventional Mortgage NFM INC
Nov 1, 2019	Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on Record
Deed Sale	Dec 23, 2024 · Amount on Record
Prior Sale	Nov 1, 2019 · Amount on Record
Deed Document Number	20243371
Record Updated	Oct 29, 2026

September 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	FLUVANNA VA
Recording Date	Sep 4, 2026
Property Address	2 LAUREL LN, PALMYRA, VA 22963-2451
Document Number	0000000457
Book / Page	79 / 925
Instrument Date	Aug 28, 2026
Instrument	2026457
Transaction Type	Transfer
Record Updated	Sep 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 LAUREL LN, PALMYRA, VA 22963-2451

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 LAUREL LN, PALMYRA, VA 22963-2451
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004277
Date	Aug 26, 2021
Instrument	210004277

Lender

Name	BLUE RIDGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 25, 2026

Interest

Rate Type	Fixed Rate

December 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 23, 2024
Property Address	2 LAUREL LN, PALMYRA, VA 22963-2451
Document Number	0240003371
Map Reference	DB 97 PG 49
Instrument Date	Dec 12, 2024
Instrument	240003371
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2 LAUREL LN, PALMYRA, VA 22963-2451

Mortgage

Document Number	0240003372
Date	Dec 23, 2024
Instrument	240003372

Lender

Name	NFM INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 1, 2019
Property Address	2 LAUREL LN, PALMYRA, VA 22963-2451
Document Number	0001903342
Map Reference	PB 97 PG 49
Instrument Date	Oct 21, 2019
Instrument	1903342
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4916 PARSONS WALK PL, GLEN ALLEN, VA 23059-7576

Mortgage

Document Number	0001903343
Date	Nov 1, 2019
Instrument	1903343

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$285,000 (-) Land $30,000 Building $255,000	$285,000 (-) Land $30,000 Building $255,000
2025	$2,151.00 (+0.66%)	$285,000 (+57.89%) Land $30,000 Building $255,000	$285,000 (+57.89%) Land $30,000 Building $255,000
2024	$2,137.00 (+40.32%)
2023		$180,500 Land $30,000 Building $150,500	$180,500 Land $30,000 Building $150,500
2022	$1,523.00

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 270 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

Cell Coverage

5G and 4G LTE (outdoors only)

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