23 Overlook Cir, Palmyra, VA 22963 Property Records

Fluvanna County property record for 23 Overlook Cir, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,352 sqft · built 2004
Lot Size	0.798 acres (34,761 sqft)
Owner	Individual Name on Record
Last Sale	$218,000 (Mar 2020)
Tax Bill	$3,137 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`18A 7 23`

Property Details

APN / Parcel Number

Primary APN	`18A 7 23`
Alternative APN	`8329`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	4,092 sqft
1st Floor Area	2,352 sqft
Basement Area	1,176 sqft
Finished Basement	1,176 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,761 sqft (0.798 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	252 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8329
Street Address	23 OVERLOOK CIR
City	PALMYRA
State	VA
Zip	22963-3345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200000891 CROFTON-7 LOT 23 34,764 SF
Legal Subdivision	CROFTON LAKE MONTICELLO SUB PH 7
Legal Block	2
Legal Lot Number	23
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1015
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	Individual Name on Record
Mailing Address	23 OVERLOOK CIR, PALMYRA, VA 22963-3345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2017	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 13, 2020	Deed, Transfer · Conventional Mortgage NFM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2020 · Amount on Record
Deed Sale	Mar 13, 2020 · Amount on Record
Deed Document Number	2020891
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	23 OVERLOOK CIR, PALMYRA, VA 22963-3345
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1702098
Date	Jun 28, 2017
Instrument	1702098

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Fixed Rate

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 13, 2020
Property Address	23 OVERLOOK CIR, PALMYRA, VA 22963-3345
Document Number	200000891
Map Reference	DB 86 PG 412
Instrument Date	Feb 24, 2020
Instrument	200000891
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC NATONAL TITLE I

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 OVERLOOK CIR, PALMYRA, VA 22963-3345

Mortgage

Document Number	200000892
Date	Mar 13, 2020
Instrument	200000892

Lender

Name	NFM INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$415,600 (-) Land $30,000 Building $385,600	$415,600 (-) Land $30,000 Building $385,600
2025	$3,137.00 (+15.88%)	$415,600 (+29.55%) Land $30,000 Building $385,600	$415,600 (+29.55%) Land $30,000 Building $385,600
2023		$320,800 Land $30,000 Building $290,800	$320,800 Land $30,000 Building $290,800
2022	$2,707.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	0.02% 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 219 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: Brightspeed, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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