3 Oliver Ct, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,565 sqft · built 2008
Lot Size	0.51 acres (22,216 sqft)
Owner	Company Name on Record
Tax Bill	$3,413 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Aug 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 132`

Property Details

APN / Parcel Number

Primary APN	`18A 6 132`
Alternative APN	`10441`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,565 sqft Living Area
Gross Area	3,750 sqft
1st Floor Area	1,565 sqft
Basement Area	783 sqft
Finished Basement	678 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2017
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10441
Street Address	3 OLIVER CT
City	PALMYRA
State	VA
Zip	22963-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 993-949 RIVERSIDE-6 LOT 132 22,218 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	13
Legal Lot Number	132
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	Company Name on Record
Mailing Address	660 HUNTERS PL, 101, CHARLOTTESVILLE, VA 22911-7902
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY BANK
Aug 31, 2017	Deed, Transfer
Feb 1, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2017
Deed Sale	Feb 1, 2017
Prior Sale	Jan 22, 2009 · Amount on Record
Deed Document Number	2017360
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 OLIVER CT, PALMYRA, VA 22963-2035
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1700799
Date	Mar 14, 2017
Instrument	1700799

Lender

Name	MORGAN STANLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Min Rate At Change	2.5%
Max Rate At Change	8.15%

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 31, 2017
Property Address	3 OLIVER CT, PALMYRA, VA 22963-2035
Document Number	1702821
Map Reference	PB 83 PG 225
Instrument Date	Aug 8, 2017
Instrument	1702821
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	660 HUNTERS PL STE 101, 101, CHARLOTTESVILLE, VA 22911-7902

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 1, 2017
Property Address	3 OLIVER CT, PALMYRA, VA 22963-2035
Document Number	1700360
Map Reference	PB 83 PG 225
Instrument Date	Feb 1, 2017
Instrument	1700360
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 ASHCROFT MTN RD, CHARLOTTESVILLE, VA 22911-8716

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		$452,100 (-) Land $30,000 Building $422,100	$452,100 (-) Land $30,000 Building $422,100
2025	$3,413.00 (+13.39%)	$452,100 (+26.75%) Land $30,000 Building $422,100	$452,100 (+26.75%) Land $30,000 Building $422,100
2023		$356,700 Land $30,000 Building $326,700	$356,700 Land $30,000 Building $326,700
2022	$3,010.00

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 93% of the US · lower than 95% 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 67 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

No cell data coverage reported

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