20 Possum Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 20 Possum Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 1985
Lot Size	0.381 acres (16,596 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (Aug 2023)
Tax Bill	$2,170 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 296`

Property Details

APN / Parcel Number

Primary APN	`18A 2 296`
Alternative APN	`5308`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,720 sqft Living Area
Gross Area	2,984 sqft
1st Floor Area	1,408 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,596 sqft (0.381 acres)
Terrain	Rolling
Porch	Slab
Porch Area	24 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5308
Street Address	20 POSSUM LN
City	PALMYRA
State	VA
Zip	22963-3222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230002388 SHADWELL-2 LOT 296 16,586 SF
Legal Subdivision	SHADWELL LAKE MONTICELLO
Legal Block	29
Legal Lot Number	296
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2005
Census Tract	20104

Owner

20 Possum Ln is owned and occupied by an individual who bought it in August 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	20 POSSUM LN, PALMYRA, VA 22963-3222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOFI LENDING CORP
Oct 20, 2025	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 17, 2009	Deed of Trust, Mortgage · FHA Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP
Dec 11, 2007	Deed of Trust, Mortgage · FHA Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP
Nov 22, 2006	Deed of Trust, Mortgage · ARM WMC MORTGAGE CORP
Aug 30, 2023	Deed, Transfer · FHA Mortgage VIRGINIA CU INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2023 · Amount on File
Deed Sale	Aug 30, 2023 · Amount on File
Prior Sale	Apr 3, 2014 · Amount on File
Deed Document Number	20232388
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	20 POSSUM LN, PALMYRA, VA 22963-3222
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200005075
Date	Dec 8, 2020
Instrument	200005075

Lender

Name	SOFI LENDING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	20 POSSUM LN, PALMYRA, VA 22963-3222
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	KVS TITLE LLC, VSTITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 POSSUM LN, PALMYRA, VA 22963-3222

Mortgage

Document Number	0250003209
Date	Oct 20, 2025
Instrument	250003209

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.45%

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	20 POSSUM LN, PALMYRA, VA 22963-3222
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000798/345
Date	Jul 17, 2009
Book Page	798/345
Instrument	0902877

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2039

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	20 POSSUM LN, PALMYRA, VA 22963-3222
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000751/111
Date	Dec 11, 2007
Book Page	751/111
Instrument	6502

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2038

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	20 POSSUM LN, PALMYRA, VA 22963-3222
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000708/251
Date	Nov 22, 2006
Book Page	708/251
Instrument	6938

Lender

Name	WMC MORTGAGE CORP
Type	Subprime Lender
Address	BURBANK, CA 91504

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.49%
Type Change Date	Dec 6, 2008
Change Frequency	6 Months
Min Rate At Change	8.49%
Max Rate At Change	11.4%
Index	6-Month LIBOR
Max Rate	14.9%

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 30, 2023
Property Address	20 POSSUM LN, PALMYRA, VA 22963-3222
Document Number	0230002388
Map Reference	DB 76 PG 566
Instrument Date	Aug 9, 2023
Instrument	230002388
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 POSSUM LN, PALMYRA, VA 22963-3222

Mortgage

Document Number	0230002389
Date	Aug 30, 2023
Instrument	230002389

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 20 Possum Ln was $2,170.

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		$287,500 (-) Land $30,000 Building $257,500	$287,500 (-) Land $30,000 Building $257,500
2025	$2,170.00	$287,500 Land $30,000 Building $257,500	$287,500 Land $30,000 Building $257,500
2023		$213,800 Land $30,000 Building $183,800	$213,800 Land $30,000 Building $183,800
2022	$1,804.00

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

Flood

FEMA maps place 20 Possum 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	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 20 Possum Ln is low, with a 0.01% 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	0.01% 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 248 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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