3 White Bluff Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 3 White Bluff Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,076 sqft · built 1994
Lot Size	0.796 acres (34,674 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jan 2022)
Tax Bill	$3,164 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 11 9`

Property Details

APN / Parcel Number

Primary APN	`18A 11 9`
Alternative APN	`4104`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,076 sqft Living Area
1st Floor Area	1,884 sqft
Basement Area	1,256 sqft
Finished Basement	1,256 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,674 sqft (0.796 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4104
Street Address	3 WHITE BLUFF CT
City	PALMYRA
State	VA
Zip	22963-2647
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220000369 FALCON HILLS-11 LOT 9 34,656 SF
Legal Subdivision	FALCON HILLS
Legal Lot Number	9
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2004
Census Tract	20103

Owner

Source: Fluvanna County records, as of October 20, 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 WHITE BLUFF CT, PALMYRA, VA 22963-2647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2022 · Amount on Record
Deed Sale	Jan 31, 2022 · Amount on Record
Deed Document Number	2022369
Prior Transfer Date	Jul 19, 2018
Prior Transfer Doc	0000002427
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 31, 2022
Property Address	3 WHITE BLUFF CT, PALMYRA, VA 22963-2647
Document Number	0220000369
Map Reference	DB 267 PG 830
Instrument Date	Jan 9, 2022
Instrument	220000369
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
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 WHITE BLUFF CT, PALMYRA, VA 22963-2647

Mortgage

Document Number	0220000370
Date	Jan 31, 2022
Instrument	220000370

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

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		$419,100 (-) Land $33,000 Building $386,100	$419,100 (-) Land $33,000 Building $386,100
2025	$3,164.00 (+0.67%)	$419,100 (+31.42%) Land $33,000 Building $386,100	$419,100 (+31.42%) Land $33,000 Building $386,100
2024	$3,143.00 (+16.8%)
2023		$318,900 Land $33,000 Building $285,900	$318,900 Land $33,000 Building $285,900
2022	$2,691.00

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	0.02% 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 47 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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