2 Lock's Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2 Lock's Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,208 sqft · built 1985
Lot Size	0.379 acres (16,509 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,071 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 4 189`

Property Details

APN / Parcel Number

Primary APN	`18A 4 189`
Alternative APN	`5035`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,208 sqft Living Area
Gross Area	6,540 sqft
1st Floor Area	2,670 sqft
Basement Area	1,425 sqft
Finished Basement	1,425 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1996
Exterior Material	EIFS / Synthetic Stucco
Roof Type	Hip
Roof Material	Wood Shingle
Lot Area	16,509 sqft (0.379 acres)
Terrain	Rolling
Garage Area	729 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	90 sqft
Deck Area	416 sqft
Patio Area	224 sqft
Putting Green	Putting Green

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5035
Street Address	2 LOCKS RD
City	PALMYRA
State	VA
Zip	22963-2511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 475-541 FAIRWAY-4 LOT 189 16,500 SF
Legal Block	18
Legal Lot Number	189
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2003
Census Tract	20103

Owner

2 Lock's Rd, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 EDGEWATER DR, PALMYRA, VA 22963-3362
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 LOCKS RD, PALMYRA, VA 22963-2511
Transaction Type	Mortgage
Record Updated	Mar 16, 2022
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000640
Date	Feb 22, 2022
Instrument	220000640

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2042

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2 Lock's Rd was $5,071.

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		$671,700 (-) Land $55,000 Building $616,700	$671,700 (-) Land $55,000 Building $616,700
2025	$5,071.00	$671,700 Land $55,000 Building $616,700	$671,700 Land $55,000 Building $616,700
2023		$493,300 Land $55,000 Building $438,300	$493,300 Land $55,000 Building $438,300
2022	$4,163.00

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

Flood

FEMA maps place 2 Lock's Rd 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 Lock's Rd 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 47 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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