3 Trout Pt, Palmyra, VA 22963 Property Records

Fluvanna County property record for 3 Trout Pt, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,706 sqft · built 1975
Lot Size	0.332 acres (14,462 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Nov 2019)
Tax Bill	$5,264 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 1 312`

Property Details

APN / Parcel Number

Primary APN	`18A 1 312`
Alternative APN	`10112`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,706 sqft Living Area
Gross Area	5,518 sqft
1st Floor Area	1,344 sqft
Basement Area	1,706 sqft
Finished Basement	1,706 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,462 sqft (0.332 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	448 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	404 sqft
Deck Area	404 sqft
Patio Area	204 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	10112
Street Address	3 TROUT PT
City	PALMYRA
State	VA
Zip	22963-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190003497 ASHLAWN-1 LOT 312 14,453 SF
Legal Subdivision	ASHLAWN LAKE MONTICELLO SUBDIVISION
Legal Block	31
Legal Lot Number	312
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

3 Trout Pt is owned and occupied by an individual who bought it in November 2019.

Source: Fluvanna County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	3 TROUT PT, PALMYRA, VA 22963-2014
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Feb 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Nov 18, 2019	Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2019 · Amount on File
Deed Sale	Nov 18, 2019 · Amount on File
Prior Sale	Aug 17, 2009 · Amount on File
Deed Document Number	20193497
Prior Transfer Date	Jun 23, 2011
Prior Transfer Doc	845/208
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 TROUT PT, PALMYRA, VA 22963-2014
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001538
Date	Jun 8, 2023
Instrument	230001538

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 TROUT PT, PALMYRA, VA 22963-2014
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000587
Date	Feb 16, 2022
Instrument	220000587

Lender

Name	FULTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 TROUT PT, PALMYRA, VA 22963-2014
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	ACM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001048
Date	Mar 3, 2021
Instrument	210001048

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 18, 2019
Property Address	3 TROUT PT, PALMYRA, VA 22963-2014
Document Number	1903497
Map Reference	PB 76 PG 206
Instrument Date	Nov 7, 2019
Instrument	1903497
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 TROUT PT, PALMYRA, VA 22963-2014

Mortgage

Document Number	1903498
Date	Nov 18, 2019
Instrument	1903498

Lender

Name	GEORGE MASON MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0001903499
Date	Nov 18, 2019
Instrument	1903499

Lender

Name	FAIRFAX COUNTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3 Trout Pt was $5,264, up 0.7% from the year before.

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		$697,260 (-) Land $190,000 Building $507,260	$697,260 (-) Land $190,000 Building $507,260
2025	$5,264.00 (+0.67%)	$697,260 Land $190,000 Building $507,260	$697,260 Land $190,000 Building $507,260
2024	$5,229.00
2023		$552,000 Land $190,000 Building $362,000	$552,000 Land $190,000 Building $362,000
2022	$4,658.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3 Trout Pt 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	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

Wildfire risk around 3 Trout Pt is low, with a 0.02% 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	0.02% 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 257 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: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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