21 Clark Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 21 Clark Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,818 sqft · built 1986
Lot Size	1.01 acres (44,083 sqft)
Owner	Company Name on Record
Last Sale	$645,500 (Aug 2018)
Tax Bill	$6,546 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 232`

Property Details

APN / Parcel Number

Primary APN	`18A 2 232`
Alternative APN	`10104`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,818 sqft Living Area
Gross Area	5,810 sqft
1st Floor Area	1,748 sqft
Basement Area	1,748 sqft
Finished Basement	1,748 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,083 sqft (1.01 acres)
Terrain	Rolling
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	320 sqft
Deck Area	440 sqft
Patio Area	228 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10104
Street Address	21 CLARK CT
City	PALMYRA
State	VA
Zip	22963-3227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240001905 SHADWELL-2 LOT 232 44,124 SF
Legal Subdivision	SHADWELL
Legal Block	23
Legal Lot Number	232
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2019
Census Tract	20104

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	Company Name on Record
Mailing Address	21 CLARK CT, PALMYRA, VA 22963-3227
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jul 30, 2024	Intrafamily Transfer, Transfer
Feb 28, 2023	Gift Deed, Transfer
Aug 27, 2018	Bargain and Sale Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Prior Sale	Nov 9, 2007 · Amount on Record
Deed Document Number	20182639
Prior Transfer Date	Mar 15, 2007
Prior Transfer Doc	000722/740
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	21 CLARK CT, PALMYRA, VA 22963-3227
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220003534
Date	Sep 29, 2022
Instrument	220003534

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

July 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jul 30, 2024
Property Address	21 CLARK CT, PALMYRA, VA 22963-3227
Document Number	0240001905
Map Reference	DB 76 PG 564-566
Instrument Date	Jul 17, 2024
Instrument	240001905
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CLARK CT, PALMYRA, VA 22963-3227

February 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 28, 2023
Property Address	21 CLARK CT, PALMYRA, VA 22963-3227
Document Number	0230000503
Map Reference	DB 172 PG 350
Instrument Date	Feb 9, 2023
Instrument	230000503
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CLARK CT, PALMYRA, VA 22963-3227

August 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 27, 2018
Property Address	21 CLARK CT, PALMYRA, VA 22963-3227
Document Number	0001802639
Map Reference	PB 76 PG 564
Instrument Date	Jul 5, 2018
Instrument	1802639
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
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	21 CLARK CT, PALMYRA, VA 22963-3227

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		$867,046 (-) Land $210,000 Building $657,046	$867,046 (-) Land $210,000 Building $657,046
2025	$6,546.00 (+0.68%)	$867,046 (+28.99%) Land $210,000 Building $657,046	$867,046 (+28.99%) Land $210,000 Building $657,046
2024	$6,502.00 (+14.61%)
2023		$672,200 Land $210,000 Building $462,200	$672,200 Land $210,000 Building $462,200
2022	$5,673.00

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 96% of the US · lower than 98% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 153 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
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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