3 Snead Ct, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,474 sqft · built 1994
Lot Size	0.428 acres (18,644 sqft)
Owner	Individual Name on Record
Last Sale	$159,500 (Feb 2019)
Tax Bill	$3,238 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 4 372`

Property Details

APN / Parcel Number

Primary APN	`18A 4 372`
Alternative APN	`1750`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,474 sqft Living Area
Gross Area	3,884 sqft
1st Floor Area	1,026 sqft
Basement Area	1,474 sqft
Finished Basement	1,474 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,644 sqft (0.428 acres)
Terrain	Rolling
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	10 sqft
Deck Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1750
Street Address	3 SNEAD CT
City	PALMYRA
State	VA
Zip	22963-2566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190002547 FAIRWAY-4 LOT 372 18,653 SF
Legal Subdivision	FAIRWAY
Legal Block	37
Legal Lot Number	372
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2000
Census Tract	20103

Owner

Source: Fluvanna County records, as of July 21, 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 SNEAD CT, PALMYRA, VA 22963-2566
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2019 · Amount on Record
Deed Sale	Feb 27, 2019 · Amount on Record
Prior Sale	Feb 14, 2007 · Amount on Record
Deed Document Number	2019530
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 SNEAD CT, PALMYRA, VA 22963-2566
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SNEAD CT, PALMYRA, VA 22963-2566

Mortgage

Document Number	0260000223
Date	Jan 23, 2026
Instrument	260000223

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 SNEAD CT, PALMYRA, VA 22963-2566
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002379
Date	Aug 30, 2023
Instrument	230002379

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2053

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		$428,900 (-) Land $30,000 Building $398,900	$428,900 (-) Land $30,000 Building $398,900
2025	$3,238.00 (+23.82%)	$428,900 (+38.4%) Land $30,000 Building $398,900	$428,900 (+38.4%) Land $30,000 Building $398,900
2023		$309,900 Land $30,000 Building $279,900	$309,900 Land $30,000 Building $279,900
2022	$2,615.00

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	1 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 173 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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