24 Monish Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 24 Monish Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,784 sqft · built 2002
Lot Size	0.421 acres (18,339 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Oct 2024)
Tax Bill	$3,130 (2025)
Deeds & Mortgages	May 2005 Line of Credit Mar 2016 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 405`

Property Details

APN / Parcel Number

Primary APN	`18A 5 405`
Alternative APN	`8615`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,784 sqft Living Area
Gross Area	3,152 sqft
1st Floor Area	1,768 sqft
Utility Area	339 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,339 sqft (0.421 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	204 sqft
Deck Area	196 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8615
Street Address	24 MONISH DR
City	PALMYRA
State	VA
Zip	22963-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240002759 TUFTON-5 LOT 405 18,318 SF
Legal Subdivision	LAKE MONTICELLO ADDTION ONE
Legal Block	40
Legal Lot Number	405
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2014
Census Tract	20104

Owner

24 Monish Dr is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	24 MONISH DR, PALMYRA, VA 22963-2912
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.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2005	Deed of Trust, Mortgage · Line of Credit PHH MORTGAGE CORP
Mar 7, 2016	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC
May 9, 2011	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Oct 24, 2024	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jan 21, 2022	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2024 · Amount on File
Deed Sale	Oct 24, 2024 · Amount on File
Prior Sale	Jan 21, 2022 · Amount on File
Deed Document Number	20242759
Record Updated	Sep 20, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	24 MONISH DR, PALMYRA, VA 22963-2912
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000630/964
Date	May 5, 2005
Book Page	630/964
Instrument	2951

Lender

Name	PHH MORTGAGE CORP
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 18, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	24 MONISH DR, PALMYRA, VA 22963-2912
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001600560
Date	Mar 7, 2016
Instrument	1600560

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 6, 2036

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	24 MONISH DR, PALMYRA, VA 22963-2912
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000842/224
Date	May 9, 2011
Book Page	842/224
Instrument	1101450

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2041

October 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 24, 2024
Property Address	24 MONISH DR, PALMYRA, VA 22963-2912
Document Number	0240002759
Map Reference	PB 86 PG 402-405
Instrument Date	Sep 25, 2024
Instrument	240002759
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 MONISH DR, PALMYRA, VA 22963-2912

Mortgage

Document Number	0240002760
Date	Oct 24, 2024
Instrument	240002760

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 21, 2022
Property Address	24 MONISH DR, PALMYRA, VA 22963-2912
Document Number	0220000252
Map Reference	DB 86 PG 402
Instrument Date	Jan 13, 2022
Instrument	220000252
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 MONISH DR, PALMYRA, VA 22963-2912

Mortgage

Document Number	0220000253
Date	Jan 21, 2022
Instrument	220000253

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 24 Monish Dr was $3,130, up 0.7% from the year before.

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		$414,600 (-) Land $30,000 Building $384,600	$414,600 (-) Land $30,000 Building $384,600
2025	$3,130.00 (+0.68%)	$414,600 Land $30,000 Building $384,600	$414,600 Land $30,000 Building $384,600
2024	$3,109.00
2023		$289,200 Land $30,000 Building $259,200	$289,200 Land $30,000 Building $259,200
2022	$2,440.00

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

Flood

FEMA maps place 24 Monish Dr 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 24 Monish Dr 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 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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