20 Brougham Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 20 Brougham Rd, Palmyra, VA 22963 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,523 sqft · built 1997
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$254,500 (Jul 2021)
Tax Bill	$1,918 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 8 225`

Property Details

APN / Parcel Number

Primary APN	`18A 8 225`
Alternative APN	`9089`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,523 sqft Living Area
Gross Area	3,215 sqft
1st Floor Area	1,523 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Porch	Slab
Porch Area	24 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9089
Street Address	20 BROUGHAM RD
City	PALMYRA
State	VA
Zip	22963-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INST 210003449 NAHOR-8 LOT 225 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	22
Legal Lot Number	225
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3001
Census Tract	20104

Owner

Source: Fluvanna County records · APN 18A 8 225

Assessment roll updated June 25, 2026 · Last verified July 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	20 BROUGHAM RD, PALMYRA, VA 22963-2713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 09, 2023	Deed of Trust, Mortgage · USDA Mortgage USDA
Jul 14, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage BANK OF THE JAMES
Jul 28, 2020	Intrafamily Transfer, Transfer
Aug 21, 2019	Deed, Transfer · Conventional Mortgage NATIONWIDE MORTGAGE BANKERS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Prior Sale	Aug 21, 2019 · Amount on Record
Deed Document Number	20213449
Prior Transfer Date	Jun 08, 2020
Prior Transfer Doc	0000002759
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	20 BROUGHAM RD, PALMYRA, VA 22963-2713
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0230000583
Date	Mar 09, 2023
Instrument	230000583

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 01, 2063

July 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 14, 2021
Property Address	20 BROUGHAM RD, PALMYRA, VA 22963-2713
Document Number	0210003449
Map Reference	DB 89 PG 637
Instrument Date	Jun 28, 2021
Instrument	210003449
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$254.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BROUGHAM RD, PALMYRA, VA 22963-2713
Investor	Possibly a Property Investor

Mortgage

Document Number	0210003450
Date	Jul 14, 2021
Instrument	210003450

Lender

Name	BANK OF THE JAMES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

Interest

Rate Type	Fixed Rate

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jul 28, 2020
Property Address	20 BROUGHAM RD, PALMYRA, VA 22963-2713
Document Number	0200002759
Map Reference	DB 89 PG 637
Instrument Date	Jun 08, 2020
Instrument	200002759
Transaction Type	Transfer
Record Updated	Jul 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 21, 2019
Property Address	20 BROUGHAM RD, PALMYRA, VA 22963-2713
Document Number	0001902518
Map Reference	PB 89 PG 637
Instrument Date	Jul 18, 2019
Instrument	1902518
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	20 BROUGHAM RD, PALMYRA, VA 22963-2713

Mortgage

Document Number	0001902520
Date	Aug 21, 2019
Instrument	1902520

Lender

Name	NATIONWIDE MORTGAGE BANKERS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$254,100 (-) Land $30,000 Building $224,100	$254,100 (-) Land $30,000 Building $224,100
2025	$1,918.00 (+13.83%)	$254,100 (+27.24%) Land $30,000 Building $224,100	$254,100 (+27.24%) Land $30,000 Building $224,100
2023		$199,700 Land $30,000 Building $169,700	$199,700 Land $30,000 Building $169,700
2022	$1,685.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510650201043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 264 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Central Virginia Electric Cooperative	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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