23 Begum Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 23 Begum Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,396 sqft · built 1995
Lot Size	0.385 acres (16,771 sqft)
Owner	Individual Name on Record
Last Sale	$239,000 (Oct 2022)
Tax Bill	$1,742 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 5 402`

Property Details

APN / Parcel Number

Primary APN	`18A 5 402`
Alternative APN	`5077`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,396 sqft Living Area
Gross Area	2,868 sqft
1st Floor Area	1,204 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,771 sqft (0.385 acres)
Terrain	Rolling
View / Lot	Corner
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	76 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5077
Street Address	23 BEGUM RD
City	PALMYRA
State	VA
Zip	22963-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220003739 TUFTON-5 LOT 402 16,789 SF
Legal Block	40
Legal Lot Number	402
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2014
Census Tract	20104

Owner

Source: Fluvanna County records, as of October 13, 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 Record
Mailing Address	23 BEGUM RD, PALMYRA, VA 22963-2913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2022 · Amount on Record
Deed Sale	Oct 19, 2022 · Amount on Record
Deed Document Number	20223739
Record Updated	Oct 29, 2026

October 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 19, 2022
Property Address	23 BEGUM RD, PALMYRA, VA 22963-2913
Document Number	0220003739
Map Reference	DB 86 PG 402
Instrument Date	Oct 11, 2022
Instrument	220003739
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BEGUM RD # R, R, PALMYRA, VA 22963-2913

Mortgage

Document Number	0220003740
Date	Oct 19, 2022
Instrument	220003740

Lender

Name	EMBRACE HOME LOANS INC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

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		$230,780 (-) Land $30,000 Building $200,780	$230,780 (-) Land $30,000 Building $200,780
2025	$1,742.00 (+8.88%)	$230,780 (+21.72%) Land $30,000 Building $200,780	$230,780 (+21.72%) Land $30,000 Building $200,780
2023		$189,600 Land $30,000 Building $159,600	$189,600 Land $30,000 Building $159,600
2022	$1,600.00

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 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 178 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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