2 Watts Cir, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,104 sqft · built 2021
Lot Size	0.399 acres (17,380 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,362 (Dec 2021)
Tax Bill	$2,835 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 219`

Property Details

APN / Parcel Number

Primary APN	`18A 6 219`
Alternative APN	`6099`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,104 sqft Living Area
Gross Area	3,719 sqft
1st Floor Area	1,720 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,380 sqft (0.399 acres)
Terrain	Rolling
View / Lot	Corner
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6099
Street Address	2 WATTS CIR
City	PALMYRA
State	VA
Zip	22963-2051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210006302 RIVERSIDE-6 LOT 219 17,387 SF
Legal Subdivision	RIVERSIDE
Legal Block	21
Legal Lot Number	219
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

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	2 Individual Names on Record
Mailing Address	2 WATTS CIR, PALMYRA, VA 22963-2051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Deed of Trust, Mortgage · FHA Mortgage HUD
Feb 17, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 30, 2021	Deed, Subdivision Related Transfer · FHA Mortgage TOWNE FIRST MORTGAGE
Jul 8, 2020	Deed, Construction Loan E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Jul 8, 2020 · Amount on Record
Deed Document Number	20216302
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 WATTS CIR, PALMYRA, VA 22963-2051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000489
Date	Mar 4, 2024
Instrument	240000489

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2052

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 WATTS CIR, PALMYRA, VA 22963-2051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 WATTS CIR, PALMYRA, VA 22963-2051

Mortgage

Document Number	0260000432
Date	Feb 17, 2026
Instrument	260000432

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Jan 1, 2052

December 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 30, 2021
Property Address	2 WATTS CIR, PALMYRA, VA 22963-2051
Document Number	0210006302
Map Reference	DB 83 PG 224
Instrument Date	Nov 9, 2021
Instrument	210006302
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 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	$284.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2 WATTS CIR, PALMYRA, VA 22963-2051
Investor	Possibly a Property Investor

Mortgage

Document Number	0210006303
Date	Dec 30, 2021
Instrument	210006303

Lender

Name	TOWNE FIRST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

July 2020: Deed, Construction Loan

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 8, 2020
Property Address	2 WATTS CIR, PALMYRA, VA 22963-2051
Document Number	0200002451
Map Reference	DB 83 PG 224
Instrument Date	Jul 6, 2019
Instrument	200002451
Transaction Type	Construction Loan
Record Updated	Jun 13, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$26.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8249 CROWN COLONY PKWY, MECHANICSVILLE, VA 23116-4057

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		$375,600 (-) Land $30,000 Building $345,600	$375,600 (-) Land $30,000 Building $345,600
2025	$2,835.00 (+11.18%)	$375,600 (+24.29%) Land $30,000 Building $345,600	$375,600 (+24.29%) Land $30,000 Building $345,600
2023		$302,200 Land $30,000 Building $272,200	$302,200 Land $30,000 Building $272,200
2022	$2,550.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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	0.02% 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 45 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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