2 Sand Trap Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2 Sand Trap Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,088 sqft · built 1990
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on File
Last Sale	$313,000 (Oct 2016)
Tax Bill	$3,299 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 4 272`

Property Details

APN / Parcel Number

Primary APN	`18A 4 272`
Alternative APN	`4857`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,088 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	1,188 sqft
Basement Area	1,188 sqft
Finished Basement	1,188 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Terrain	Rolling
View / Lot	Corner
Garage Type	Built-in
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	60 sqft
Deck Area	384 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	4857
Street Address	2 SAND TRAP TER
City	PALMYRA
State	VA
Zip	22963-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 971-935 FAIRWAY-4 LOT 272 19,987 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	27
Legal Lot Number	272
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2002
Census Tract	20103

Owner

Source: Fluvanna County assessment roll, 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 File
Mailing Address	2 SAND TRAP TER, PALMYRA, VA 22963-2523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 11, 2016 · Amount on Record
Deed Sale	Oct 11, 2016 · Amount on Record
Deed Document Number	20162966
Prior Transfer Date	Aug 29, 2013
Prior Transfer Doc	903/718
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 SAND TRAP TER, PALMYRA, VA 22963-2523
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0260000323
Date	Feb 5, 2026
Instrument	260000323

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 22, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 SAND TRAP TER, PALMYRA, VA 22963-2523
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210004296
Date	Aug 27, 2021
Instrument	210004296

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2051

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		$437,000 (-) Land $55,000 Building $382,000	$437,000 (-) Land $55,000 Building $382,000
2025	$3,299.00 (+0.67%)	$437,000 (+25.07%) Land $55,000 Building $382,000	$437,000 (+25.07%) Land $55,000 Building $382,000
2024	$3,277.00 (+11.16%)
2023		$349,400 Land $55,000 Building $294,400	$349,400 Land $55,000 Building $294,400
2022	$2,948.00

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	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

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 at the parcel

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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Central Virginia Electric Cooperative Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Brightspeed.

Nearby Properties on Sand Trap Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures