28 Oak Grove Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 28 Oak Grove Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,054 sqft · built 1993
Lot Size	0.532 acres (23,174 sqft)
Owner	Company Name on Record
Last Sale	$330,000 (Dec 2021)
Tax Bill	$2,950 (2025)
Deeds & Mortgages	Oct 2016 Mortgage May 2009 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`18A 4 397A`

Property Details

APN / Parcel Number

Primary APN	`18A 4 397A`
Alternative APN	`12197`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,054 sqft Living Area
Gross Area	5,581 sqft
1st Floor Area	1,830 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,174 sqft (0.532 acres)
Terrain	Rolling
View / Lot	Corner
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	705 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	12197
Street Address	28 OAK GROVE RD
City	PALMYRA
State	VA
Zip	22963-2534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210006281 23,171 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	39
Legal Lot Number	A
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2006
Census Tract	20103

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	Company Name on Record
Mailing Address	43060 MIDVALE CT, ASHBURN, VA 20147-4453
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2016	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE LLC
May 26, 2009	Deed of Trust, Mortgage · Conventional Mortgage PREMIUM CAPITAL FUNDING LLC
Apr 24, 2015	Deed of Trust, Mortgage · Conventional Mortgage UNION BANK & TRUST
Dec 12, 2006	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK
Apr 22, 2005	Deed of Trust, Mortgage · ARM COUNTRYWIDE HOME LOANS INC
Dec 12, 2006	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 30, 2022	Deed, Transfer
Dec 28, 2021	Deed, Transfer · Commercial Mortgage ATLANTA BAY MORTGAGE GROUP
Mar 7, 2019	Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Mar 7, 2019 · Amount on Record
Deed Document Number	20216281
Record Updated	Sep 20, 2026

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001602949
Date	Oct 7, 2016
Instrument	1602949

Lender

Name	MOVEMENT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2023
Min Rate At Change	2.25%
Max Rate At Change	8.38%

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000793/547
Date	May 26, 2009
Book Page	793/547
Instrument	2002

Lender

Name	PREMIUM CAPITAL FUNDING LLC
Type	Mortgage Company
Address	JERICHO, NY 11753

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2039

April 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001201200
Date	Apr 24, 2015
Instrument	1201200

Lender

Name	UNION BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000710/130
Date	Dec 12, 2006
Book Page	710/130
Instrument	7230

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000628/594
Date	Apr 22, 2005
Book Page	628/594
Instrument	2543

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	May 1, 2010
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.87%
Max Rate	9.87%

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000710/111
Date	Dec 12, 2006
Book Page	710/111
Instrument	7229

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2027

Interest

Rate	6.37%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 30, 2022
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Document Number	0220002401
Map Reference	DB 242 PG 12
Instrument Date	Jun 15, 2022
Instrument	220002401
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 28, 2021
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Document Number	0210006281
Map Reference	DB 242 PG 12
Instrument Date	Dec 23, 2021
Instrument	210006281
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Investor	Possibly a Property Investor

Mortgage

Document Number	0210006282
Date	Dec 28, 2021
Instrument	210006282

Lender

Name	ATLANTA BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 7, 2019
Property Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534
Document Number	0001900635
Map Reference	PB 242 PG 12
Instrument Date	Feb 21, 2019
Instrument	1900635
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 OAK GROVE RD, PALMYRA, VA 22963-2534

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		$390,800 (-) Land $30,000 Building $360,800	$390,800 (-) Land $30,000 Building $360,800
2025	$2,950.00 (+7.47%)	$390,800 (+20.14%) Land $30,000 Building $360,800	$390,800 (+20.14%) Land $30,000 Building $360,800
2023		$325,300 Land $30,000 Building $295,300	$325,300 Land $30,000 Building $295,300
2022	$2,745.00

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	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.

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 173 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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