25 Chatham Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 25 Chatham Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,480 sqft · built 1976
Lot Size	0.388 acres (16,901 sqft)
Owner	2 Individual Names on File
Last Sale	$617,600 (Feb 2021)
Tax Bill	$4,266 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 1 347`

Property Details

APN / Parcel Number

Primary APN	`18A 1 347`
Alternative APN	`9615`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,480 sqft Living Area
Gross Area	3,536 sqft
1st Floor Area	2,240 sqft
Sunroom	Sunroom
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,901 sqft (0.388 acres)
Terrain	Rolling
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	400 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9615
Street Address	25 CHATHAM LN
City	PALMYRA
State	VA
Zip	22963-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210000606 ASHLAWN-1 LOT 347 16,909 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	34
Legal Lot Number	347
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

25 Chatham Ln is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	25 CHATHAM LN, PALMYRA, VA 22963-2101
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 20, 2020	Deed of Trust, Mortgage · Commercial Mortgage MYSTIC POINT LLC
Feb 5, 2021	Deed, Transfer · Conventional Mortgage FIRST SAVINGS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2021 · Amount on File
Deed Sale	Feb 5, 2021 · Amount on File
Deed Document Number	2021606
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	25 CHATHAM LN, PALMYRA, VA 22963-2101
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001736
Date	May 20, 2020
Instrument	200001736

Lender

Name	MYSTIC POINT LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 15, 2021

Interest

Rate Type	Fixed Rate

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 5, 2021
Property Address	25 CHATHAM LN, PALMYRA, VA 22963-2101
Document Number	0210000606
Map Reference	DB 76 PG 206
Instrument Date	Jan 28, 2021
Instrument	210000606
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$618.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 CHATHAM LN, PALMYRA, VA 22963-2101

Mortgage

Document Number	0210000607
Date	Feb 5, 2021
Instrument	210000607

Lender

Name	FIRST SAVINGS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 25 Chatham Ln was $4,266.

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		$565,150 (-) Land $170,000 Building $395,150	$565,150 (-) Land $170,000 Building $395,150
2025	$4,266.00	$565,150 Land $170,000 Building $395,150	$565,150 Land $170,000 Building $395,150
2023		$498,500 Land $170,000 Building $328,500	$498,500 Land $170,000 Building $328,500
2022	$4,207.00

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

Flood

FEMA maps place 25 Chatham Ln 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	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

Wildfire risk around 25 Chatham Ln is low, with a 0.02% 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	0.02% 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 257 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: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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