3 Laguna Rd, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,500 sqft · built 1980
Lot Size	0.392 acres (17,076 sqft)
Owner	Individual Name on File
Last Sale	$655,000 (May 2021)
Tax Bill	$4,789 (2025)
Deeds & Mortgages	Mar 2017 Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`18A 9 141`

Property Details

APN / Parcel Number

Primary APN	`18A 9 141`
Alternative APN	`6372`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	3,656 sqft
1st Floor Area	1,188 sqft
Basement Area	1,284 sqft
Finished Basement	1,284 sqft
Sunroom	Sunroom
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2003
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,076 sqft (0.392 acres)
Terrain	Rolling
View / Lot	Waterfront
Deck Area	48 sqft
Patio Area	88 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	6372
Street Address	3 LAGUNA RD
City	PALMYRA
State	VA
Zip	22963-2418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210002709 KNOLLWOOD-9 LOT 141 17,055 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	14
Legal Lot Number	141
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1010
Census Tract	20103

Owner

3 Laguna Rd is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3 LAGUNA RD, PALMYRA, VA 22963-2418
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
Mar 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO
May 28, 2021	Bargain and Sale Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Deed Document Number	20212709
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 LAGUNA RD, PALMYRA, VA 22963-2418
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1700923
Date	Mar 23, 2017
Instrument	1700923

Lender

Name	BRANCH BANKING & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 28, 2021
Property Address	3 LAGUNA RD, PALMYRA, VA 22963-2418
Document Number	210002709
Map Reference	DB 97 PG 49
Instrument Date	May 17, 2021
Instrument	210002709
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$655.00
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 LAGUNA RD, PALMYRA, VA 22963-2418

Tax Assessment & Valuation

The 2025 property tax bill for 3 Laguna Rd was $4,789.

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		$634,380 (-) Land $190,000 Building $444,380	$634,380 (-) Land $190,000 Building $444,380
2025	$4,789.00	$634,380 Land $190,000 Building $444,380	$634,380 Land $190,000 Building $444,380
2023		$513,800 Land $190,000 Building $323,800	$513,800 Land $190,000 Building $323,800
2022	$4,336.00

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

Flood

FEMA maps place 3 Laguna Rd 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 3 Laguna Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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 270 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 and 4G LTE (outdoors only)

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