Fluvanna County property record for 25 Acre Ln, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,704 sqft · built 2003 |
| Lot Size | 1.18 acres (51,401 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $651,000 (Apr 2026) |
| Tax Bill | $4,677 (2025) |
| Deeds & Mortgages | Mar 2026 Reverse Mortgage Jun 2005 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 11A 13 |
| Primary APN | 18A 11A 13 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 2,704 sqft Living Area |
| Gross Area | 7,636 sqft |
| 1st Floor Area | 2,392 sqft |
| Basement Area | 2,392 sqft |
| Finished Basement | 1,435 sqft |
| Unfinished Basement | 2,392 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 51,401 sqft (1.18 acres) |
| Terrain | Rolling |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 340 sqft |
| Patio Area | 340 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 25 ACRE LN |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-2648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | WB 66-842 AC 1.18 THE ACRES |
| Legal Subdivision | THE ACRES LAKE MONTICELLO |
| Legal Block | 1 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 20104 |
Source: Fluvanna County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 25 ACRE LN, PALMYRA, VA 22963-2648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 27, 2026 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Jun 10, 2005 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY MORTGAGE |
| Apr 15, 2016 | Deed of Trust, Mortgage · Commercial Mortgage UNION BANK & TRUST |
| Apr 20, 2026 | Grant Deed, Transfer · Conventional Mortgage FULTON BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on Record |
| Deed Sale | Apr 20, 2026 · Amount on Record |
| Prior Sale | May 21, 2013 · Amount on Record |
| Deed Document Number | 20261127 |
| Prior Transfer Date | May 16, 2013 |
| Prior Transfer Doc | 000895/538 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 25 ACRE LN, PALMYRA, VA 22963-2648 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2026 |
| Title Company | ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 25 ACRE LN, PALMYRA, VA 22963-2648 |
| Document Number | 0260000880 |
|---|---|
| Date | Mar 27, 2026 |
| Instrument | 260000880 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 905 Months |
| Due | Aug 30, 2101 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 25 ACRE LN, PALMYRA, VA 22963-2648 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000636/214 |
|---|---|
| Date | Jun 10, 2005 |
| Book Page | 636/214 |
| Instrument | 3860 |
| Name | NATIONAL CITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2035 |
| Rate | 6.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 25 ACRE LN, PALMYRA, VA 22963-2648 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001600900 |
|---|---|
| Date | Apr 15, 2016 |
| Instrument | 1600900 |
| Name | UNION BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 20, 2026 |
| Property Address | 25 ACRE LN, PALMYRA, VA 22963-2648 |
| Document Number | 0000001127 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 2026.1127 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $65,751.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 25 ACRE LN, PALMYRA, VA 22963-2648 |
| Document Number | 0000001128, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 2026.1128 |
| Name | FULTON BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $619,500 (-) Land $34,800 Building $584,700 | $619,500 (-) Land $34,800 Building $584,700 | |
| 2025 | $4,677.00 (+0.67%) | $619,500 (+11.02%) Land $34,800 Building $584,700 | $619,500 (+11.02%) Land $34,800 Building $584,700 |
| 2024 | $4,646.00 (-1.34%) | ||
| 2023 | $558,000 Land $34,800 Building $523,200 | $558,000 Land $34,800 Building $523,200 | |
| 2022 | $4,709.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 7 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 214 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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