3 Ashcake Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 3 Ashcake Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,344 sqft · built 2002
Lot Size	0.443 acres (19,297 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Jun 2022)
Tax Bill	$2,963 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 279`

Property Details

APN / Parcel Number

Primary APN	`18A 2 279`
Alternative APN	`6721`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	3,108 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	1,120 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,297 sqft (0.443 acres)
Terrain	Rolling
Deck Area	36 sqft
Patio Area	192 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	6721
Street Address	3 ASHCAKE TER
City	PALMYRA
State	VA
Zip	22963-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220002064 SHADWELL-2 LOT 279 19,310 SF
Legal Subdivision	SHADWELL
Legal Block	27
Legal Lot Number	279
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2005
Census Tract	20104

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	Individual Name on Record
Mailing Address	3 ASHCAKE TER, PALMYRA, VA 22963-3224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE
Jun 3, 2022	Deed, Transfer · VA Mortgage AMERISAVE MORTGAGE CORP
Nov 16, 2018	Deed, Transfer · FHA Mortgage NFM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Prior Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	20222064
Prior Transfer Date	Mar 28, 2009
Prior Transfer Doc	000796/265
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 ASHCAKE TER, PALMYRA, VA 22963-3224
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002080
Date	Apr 27, 2021
Instrument	210002080

Lender

Name	AMERIHOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 3, 2022
Property Address	3 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	0220002064
Map Reference	DB 76 PG 564
Instrument Date	May 18, 2022
Instrument	220002064
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ASHCAKE TER, PALMYRA, VA 22963-3224

Mortgage

Document Number	0220002065
Date	Jun 3, 2022
Instrument	220002065

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 16, 2018
Property Address	3 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	0001803573
Map Reference	PB 76 PG 564
Instrument Date	Oct 30, 2018
Instrument	1803573
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	3 ASHCAKE TER, PALMYRA, VA 22963-3224

Mortgage

Document Number	0001803574
Date	Nov 16, 2018
Instrument	1803574

Lender

Name	NFM INC

Agreement

Type	FHA 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		$392,500 (-) Land $30,000 Building $362,500	$392,500 (-) Land $30,000 Building $362,500
2025	$2,963.00 (+21.43%)	$392,500 (+35.77%) Land $30,000 Building $362,500	$392,500 (+35.77%) Land $30,000 Building $362,500
2023		$289,100 Land $30,000 Building $259,100	$289,100 Land $30,000 Building $259,100
2022	$2,440.00

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

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 248 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

Cell Coverage

5G (outdoors only) and 4G LTE

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