Fluvanna County property record for 20 Chatham Ln, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,019 sqft · built 1975 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,876 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 1 358 |
| Primary APN | 18A 1 358 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,019 sqft Living Area |
| Gross Area | 2,831 sqft |
| 1st Floor Area | 1,019 sqft |
| Basement Area | 728 sqft |
| Finished Basement | 728 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.39 acres) |
| Terrain | Rolling |
| Porch | Porch |
|---|---|
| Porch Area | 512 sqft |
| Deck Area | 208 sqft |
| Shed | 1 Shed |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3813 |
|---|---|
| Street Address | 20 CHATHAM LN |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | DB 212-680 ASHLAWN-1 LOT 358 16,968 SF |
| Legal Block | 35 |
| Legal Lot Number | 358 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20103 |
20 Chatham Ln is owned and occupied by an individual.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 CHATHAM LN, PALMYRA, VA 22963-2101 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 20 CHATHAM LN, PALMYRA, VA 22963-2101 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2018 |
| Name | Verified Name |
|---|
| Document Number | 1803583 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 1803583 |
| Name | UVA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 18, 2043 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 20 Chatham Ln was $1,876.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $248,600 (-) Land $30,000 Building $218,600 | $248,600 (-) Land $30,000 Building $218,600 | |
| 2025 | $1,876.00 | $248,600 Land $30,000 Building $218,600 | $248,600 Land $30,000 Building $218,600 |
| 2023 | $162,900 Land $30,000 Building $132,900 | $162,900 Land $30,000 Building $132,900 | |
| 2022 | $1,374.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Chatham Ln 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 | 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 risk around 20 Chatham Ln 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 257 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 |
May also be available: T-Mobile.
5G and 4G LTE (outdoors only)
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