Fluvanna County property record for 3 Tray Cir, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,219 sqft · built 1995 |
| Lot Size | 0.392 acres (17,076 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Jun 2022) |
| Tax Bill | $2,311 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 5 82 |
| Primary APN | 18A 5 82 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,219 sqft Living Area |
| Gross Area | 2,795 sqft |
| 1st Floor Area | 1,075 sqft |
| Utility Room | Utility Room |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,076 sqft (0.392 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Patio Area | 216 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 9275 |
|---|---|
| Street Address | 3 TRAY CIR |
| City | PALMYRA |
| State | VA |
| Zip | 22963-3045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 220002389 TUFTON-5 LOT 82 17,069 SF |
| Legal Subdivision | TUFTON |
| Legal Block | 8 |
| Legal Lot Number | 82 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20104 |
3 Tray Cir is owned and occupied by two individuals who bought it in June 2022.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 TRAY CIR, PALMYRA, VA 22963-3045 |
| 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.
| Date | Document |
|---|---|
| Jun 30, 2022 | Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP |
| Jul 13, 2018 | Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2022 · Amount on File |
| Deed Sale | Jun 30, 2022 · Amount on File |
| Prior Sale | Jul 13, 2018 · Amount on File |
| Deed Document Number | 20222389 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jun 30, 2022 |
| Property Address | 3 TRAY CIR, PALMYRA, VA 22963-3045 |
| Document Number | 0220002389 |
| Map Reference | DB 79 PG 90-91 |
| Instrument Date | Jun 16, 2022 |
| Instrument | 220002389 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 TRAY CIR, PALMYRA, VA 22963-3045 |
| Document Number | 0220002390 |
|---|---|
| Date | Jun 30, 2022 |
| Instrument | 220002390 |
| Name | ATLANTIC BAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jul 13, 2018 |
| Property Address | 3 TRAY CIR, PALMYRA, VA 22963-3045 |
| Document Number | 0001802172 |
| Map Reference | PB 79 PG 90 |
| Instrument Date | Jun 21, 2018 |
| Instrument | 1802172 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 TRAY CIR, PALMYRA, VA 22963-3045 |
| Document Number | 0001802173 |
|---|---|
| Date | Jul 13, 2018 |
| Instrument | 1802173 |
| Name | FIRST COMMUNITY MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 3 Tray Cir was $2,311.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $306,100 (-) Land $30,000 Building $276,100 | $306,100 (-) Land $30,000 Building $276,100 | |
| 2025 | $2,311.00 | $306,100 Land $30,000 Building $276,100 | $306,100 Land $30,000 Building $276,100 |
| 2023 | $192,700 Land $30,000 Building $162,700 | $192,700 Land $30,000 Building $162,700 | |
| 2022 | $1,626.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Tray Cir 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 | 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 risk around 3 Tray Cir is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 248 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 |
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