3 Appletree Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 3 Appletree Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1984
Lot Size	0.446 acres (19,428 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jun 2017)
Tax Bill	$1,719 (2025)
Deeds & Mortgages	Jun 2017 Sale Jun 2017 Sale & Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 5 425`

Property Details

APN / Parcel Number

Primary APN	`18A 5 425`
Alternative APN	`9785`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	2,574 sqft
1st Floor Area	1,152 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1996
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,428 sqft (0.446 acres)
Terrain	Rolling
View / Lot	Corner
Porch	Slab
Porch Area	110 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9785
Street Address	3 APPLETREE RD
City	PALMYRA
State	VA
Zip	22963-2935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 988-388 TUFTON-5 LOT 425 19,447 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	42
Legal Lot Number	425
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2015
Census Tract	20104

Owner

Source: Fluvanna County assessment roll, 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 File
Mailing Address	3 APPLETREE RD, PALMYRA, VA 22963-2935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2017	Deed, Transfer STEWART TITLE
Jun 8, 2017	Deed, Transfer · Reverse Mortgage AMERICAN EQUITY MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 8, 2017 · Amount on Record
Deed Sale	Jun 8, 2017 · Amount on Record
Deed Document Number	20171856
Record Updated	Sep 20, 2026

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 8, 2017
Property Address	3 APPLETREE RD, PALMYRA, VA 22963-2935
Document Number	1701856
Map Reference	PB 894 PG 534
Instrument Date	May 15, 2017
Instrument	1701856
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 APPLETREE RD, PALMYRA, VA 22963-2935

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 8, 2017
Property Address	3 APPLETREE RD, PALMYRA, VA 22963-2935
Document Number	0001701856
Map Reference	PB 894 PG 534
Instrument Date	May 15, 2017
Instrument	1701856
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 APPLETREE RD, PALMYRA, VA 22963-2935

Mortgage

Document Number	0001701857
Date	Jun 8, 2017
Instrument	1701857

Lender

Name	AMERICAN EQUITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse 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		$227,700 (-) Land $30,000 Building $197,700	$227,700 (-) Land $30,000 Building $197,700
2025	$1,719.00 (+30.72%)	$227,700 (+46.06%) Land $30,000 Building $197,700	$227,700 (+46.06%) Land $30,000 Building $197,700
2023		$155,900 Land $30,000 Building $125,900	$155,900 Land $30,000 Building $125,900
2022	$1,315.00

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	Direct burnable vegetation at the parcel

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
Central Virginia Electric Cooperative Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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