3 Pineknoll Cir, Palmyra, VA 22963 Property Records

Fluvanna County property record for 3 Pineknoll Cir, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,916 sqft · built 1989
Lot Size	0.395 acres (17,206 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Sep 2023)
Tax Bill	$4,471 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 1 33`

Property Details

APN / Parcel Number

Primary APN	`18A 1 33`
Alternative APN	`7356`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,916 sqft Living Area
Gross Area	4,852 sqft
1st Floor Area	1,794 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,206 sqft (0.395 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	120 sqft
Deck Area	360 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	7356
Street Address	3 PINEKNOLL CIR
City	PALMYRA
State	VA
Zip	22963-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230002570 ASHLAWN-1 LOT 33 17,211 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	3
Legal Lot Number	33
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1025
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	2 Individual Names on Record
Mailing Address	3 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Sep 15, 2023	Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOC LP
Jun 6, 2018	Gift Deed, Transfer
Oct 1, 2010	Bargain and Sale Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE ISURANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on Record
Deed Sale	Sep 15, 2023 · Amount on Record
Prior Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	20232570
Prior Transfer Date	May 25, 2018
Prior Transfer Doc	0000001734
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5696 FAIRWOOD DR NW, ACWORTH, GA 30101-4679

Mortgage

Document Number	0260000023
Date	Jan 5, 2026
Instrument	260000023

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 15, 2023
Property Address	3 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Document Number	0230002570
Map Reference	DB 74 PG 494
Instrument Date	Sep 15, 2023
Instrument	230002570
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PINEKNOLL CIR, PALMYRA, VA 22963-3332

Mortgage

Document Number	0230002571
Date	Sep 15, 2023
Instrument	230002571

Lender

Name	PROVIDENT FUNDING ASSOC LP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

June 2018: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 6, 2018
Property Address	3 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Document Number	0001801734
Map Reference	PB 74 PG 498
Instrument Date	May 25, 2018
Instrument	1801734
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 WOODRIDGE RD, PALMYRA, VA 22963-2102

October 2010: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 1, 2010
Property Address	3 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Document Number	000827/112
Book / Page	827 / 112
Map Reference	DD184 PG834
Instrument Date	Sep 29, 2010
Instrument	1003291
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE ISURANCE CO

Transaction

Amount	Amount Recorded
Tax	$400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6590 MOUNTAIN RD, MACUNGIE, PA 18062-9643

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		$592,300 (-) Land $145,000 Building $447,300	$592,300 (-) Land $145,000 Building $447,300
2025	$4,471.00 (+7.71%)	$592,300 (+20.41%) Land $145,000 Building $447,300	$592,300 (+20.41%) Land $145,000 Building $447,300
2023		$491,900 Land $145,000 Building $346,900	$491,900 Land $145,000 Building $346,900
2022	$4,151.00

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	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 219 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

May also be available: Brightspeed, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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