3 Mechunk Ter, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 2002
Lot Size	0.807 acres (35,153 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Mar 2024)
Tax Bill	$1,836 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 228`

Property Details

APN / Parcel Number

Primary APN	`18A 6 228`
Alternative APN	`7884`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
Gross Area	3,044 sqft
1st Floor Area	1,408 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	35,153 sqft (0.807 acres)
Terrain	Rolling
Porch	Slab
Porch Area	84 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7884
Street Address	3 MECHUNK TER
City	PALMYRA
State	VA
Zip	22963-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240000500 RIVERSIDE-6 LOT 228 35,154 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	22
Legal Lot Number	228
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

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 MECHUNK TER, PALMYRA, VA 22963-2056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Feb 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2024 · Amount on Record
Deed Sale	Mar 5, 2024 · Amount on Record
Deed Document Number	2024500
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 MECHUNK TER, PALMYRA, VA 22963-2056
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000501
Date	Mar 5, 2024
Instrument	240000501

Lender

Name	PRIMELENDING
Type	Funding / Finance Company

Agreement

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

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 MECHUNK TER, PALMYRA, VA 22963-2056
Transaction Type	Mortgage
Record Updated	Mar 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1800413
Date	Feb 13, 2018
Instrument	1800413

Lender

Name	BRANCH BANKING & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2033

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		$243,300 (-) Land $28,500 Building $214,800	$243,300 (-) Land $28,500 Building $214,800
2025	$1,836.00 (+10.27%)	$243,300 (+23.31%) Land $28,500 Building $214,800	$243,300 (+23.31%) Land $28,500 Building $214,800
2023		$197,300 Land $28,500 Building $168,800	$197,300 Land $28,500 Building $168,800
2022	$1,665.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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	0.02% 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 45 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

4G LTE (outdoors only), no 5G reported

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