32 E Point Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 32 E Point Rd, Palmyra, VA 22963 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2014
Square Footage	1,392 sqft Living Area
Lot Size	14,985 sqft (0.344 acres)
Occupancy	Owner Occupied
Last Sale	$260,000 (2022)
Tax Bill	$2,134.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`18A 6 78`
Alternative APN	`3414`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,392 sqft Living Area
Gross Area	3,802 sqft Gross Area
1st Floor	1,392 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Softwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	14,985 sqft (0.344 acres)
Parking Spaces	2 Parking Spaces
Garage Area	616 sqft Garage
Deck Area	150 sqft Deck
Porch Area	252 sqft Porch
Topography	Rolling Topography

Utilities and HVAC

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

Location & Zoning

Account Number	3414
Street Address	32 E POINT RD
City	PALMYRA
State	VA
Zip	22963-2049
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	INST 220003319 RIVERSIDE-6 LOT 78 15,000 SF
Legal Subdivision	RIVERSIDE
Legal Block	7
Legal Lot Number	78
Jurisdiction	FLUVANNA VA
Minor Civil Division	PALMYRA
Census Blockgroup	4
Census Block	4005
Census Tract	20101

Owner

Source: Fluvanna County records · APN 18A 6 78

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	32 E POINT RD, PALMYRA, VA 22963-2049
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2005	Deed of Trust, Mortgage · Conventional Mortgage DELTA FUNDING CORP
Feb 25, 2008	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage BANK OF AMERICA NA
Sep 09, 2022	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Jan 28, 2020	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Jul 20, 2006	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 09, 2022 · Amount on Record
Deed Sale	Sep 09, 2022 · Amount on Record
Prior Sale	Jan 28, 2020 · Amount on Record
Deed Doc Number	20223319
Record Refreshed	Sep 20, 2026

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	32 E POINT RD, PALMYRA, VA 22963-2049
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000660/270
Date	Nov 10, 2005
Book Page	660/270
Instrument	7798

Lender

Name	DELTA FUNDING CORP
Type	Subprime Lender
Address	WOODBURY, NY 11797

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2035

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	32 E POINT RD, PALMYRA, VA 22963-2049
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000757/421
Date	Feb 25, 2008
Book Page	757/421
Instrument	0798

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2038

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 09, 2022
Property Address	32 E POINT RD, PALMYRA, VA 22963-2049
Document Number	0220003319
Map Reference	DB 82 PG 480
Instrument Date	Aug 29, 2022
Instrument	220003319
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 E POINT RD, PALMYRA, VA 22963-2049

Mortgage

Document Number	0220003320
Date	Sep 09, 2022
Instrument	220003320

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Fixed Rate

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 28, 2020
Property Address	32 E POINT RD, PALMYRA, VA 22963-2049
Document Number	2000296
Map Reference	PB 82 PG 480
Instrument Date	Jan 09, 2020
Instrument	2000296
Transaction Type	Transfer
Record Updated	Jul 06, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$104.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 E POINT RD, PALMYRA, VA 22963-2049

Mortgage

Document Number	2000297
Date	Jan 28, 2020
Instrument	2000297

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 20, 2006
Property Address	32 E POINT RD, PALMYRA, VA 22963-2049
Document Number	000692/349
Book / Page	692 / 349
Map Reference	DD82 PG480-481
Instrument Date	Jul 18, 2006
Instrument	4215
Transaction Type	Transfer
Record Updated	Oct 25, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$222.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	32 E POINT RD, PALMYRA, VA 22963-2049

Mortgage

Document Number	000692/351
Date	Jul 20, 2006
Book Page	692/351
Instrument	4216

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2036

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$282,700 (-) Land $30,000 Building $252,700	$282,700 (-) Land $30,000 Building $252,700
2025	$2,134.00 (+8.49%)	$282,700 (+21.28%) Land $30,000 Building $252,700	$282,700 (+21.28%) Land $30,000 Building $252,700
2023		$233,100 Land $30,000 Building $203,100	$233,100 Land $30,000 Building $203,100
2022	$1,967.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 6,250 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

32 E Point Rd, Palmyra, VA 22963 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2005: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2008: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2022: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2020: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2006: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on E Point Rd

Nearby Streets

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