3 Finch Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 3 Finch Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1981
Lot Size	0.478 acres (20,822 sqft)
Owner	Individual Name on Record
Tax Bill	$5,340 (2025)
Deeds & Mortgages	Jul 2026 Transfer May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 457`

Property Details

APN / Parcel Number

Primary APN	`18A 3 457`
Alternative APN	`4226`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
Gross Area	5,232 sqft
1st Floor Area	1,484 sqft
Basement Area	1,484 sqft
Finished Basement	1,484 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,822 sqft (0.478 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	172 sqft
Deck Area	264 sqft
Patio Area	144 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4226
Street Address	3 FINCH CT
City	PALMYRA
State	VA
Zip	22963-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240002835 MONTPELIER-3 LOT 457 20,819 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	45
Legal Lot Number	457
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

Source: Fluvanna County records, as of July 28, 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 FINCH CT, PALMYRA, VA 22963-2241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBER OPTIONS LLC
Dec 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage SAXTON MORTGAGE LLC
Jun 14, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 31, 2024	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 10, 2024
Transfer Doc	0000002835
Record Updated	Sep 20, 2026

July 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 15, 2026
Property Address	3 FINCH CT, PALMYRA, VA 22963-2241
Document Number	0000002158
Instrument Date	Jul 13, 2026
Instrument	20262158
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FINCH CT, PALMYRA, VA 22963-2241

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 FINCH CT, PALMYRA, VA 22963-2241
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002362
Date	May 10, 2021
Instrument	210002362

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 FINCH CT, PALMYRA, VA 22963-2241
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FINCH CT, PALMYRA, VA 22963-2241

Mortgage

Document Number	0250003731
Date	Dec 9, 2025
Instrument	250003731

Lender

Name	SAXTON MORTGAGE LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 FINCH CT, PALMYRA, VA 22963-2241
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240001492
Date	Jun 14, 2024
Instrument	240001492

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2054

October 2024: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 31, 2024
Property Address	3 FINCH CT, PALMYRA, VA 22963-2241
Document Number	0240002835
Map Reference	DB 139 PG 467
Instrument Date	Oct 10, 2024
Instrument	240002835
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FINCH CT, PALMYRA, VA 22963-2241

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		$707,324 (-) Land $210,000 Building $497,324	$707,324 (-) Land $210,000 Building $497,324
2025	$5,340.00 (+0.68%)	$707,324 (+24.31%) Land $210,000 Building $497,324	$707,324 (+24.31%) Land $210,000 Building $497,324
2024	$5,304.00 (+10.45%)
2023		$569,000 Land $210,000 Building $359,000	$569,000 Land $210,000 Building $359,000
2022	$4,802.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 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 125 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

Cell Coverage

5G and 4G LTE (outdoors only)

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