332 Main St, Palmyra, VA 22963 Property Records

Fluvanna County property record for 332 Main St, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,096 sqft · built 1903
Lot Size	0.491 acres (21,388 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Aug 2021)
Tax Bill	$2,326 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30A A 4`

Property Details

APN / Parcel Number

Primary APN	`30A A 4`
Alternative APN	`7625`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,096 sqft Living Area
Gross Area	4,248 sqft
1st Floor Area	1,584 sqft
Basement Area	815 sqft
Unfinished Basement	815 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1958
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Tin
Lot Area	21,388 sqft (0.491 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	320 sqft
Deck Area	Deck Area
Patio Area	240 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	7625
Street Address	332 MAIN ST
City	PALMYRA
State	VA
Zip	22963-4142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 210003881 AC .491
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1030
Census Tract	20101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Fluvanna County Courthouse Historic District listed 1971 · 4 contributing resources · NRIS 71000977

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

332 Main St is owned by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	322 MAIN ST, PALMYRA, VA 22963-4142
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
Aug 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP
Aug 20, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage AMERIS BANK
Dec 22, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2021 · Amount on File
Deed Sale	Aug 3, 2021 · Amount on File
Prior Sale	Aug 20, 2019 · Amount on File
Deed Document Number	20213881
Prior Transfer Date	Jun 6, 2006
Prior Transfer Doc	0000003802
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	332 MAIN ST, PALMYRA, VA 22963-4142
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210003882
Date	Aug 3, 2021
Instrument	210003882

Lender

Name	ATLANTIC BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

August 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 20, 2019
Property Address	332 MAIN ST, PALMYRA, VA 22963-4142
Document Number	1902485
Map Reference	PB 207 PG 540
Instrument Date	Jul 27, 2019
Instrument	1902485
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 MAIN ST, PALMYRA, VA 22963-4142

Mortgage

Document Number	1902486
Date	Aug 20, 2019
Instrument	1902486

Lender

Name	AMERIS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 22, 2017
Property Address	332 MAIN ST, PALMYRA, VA 22963-4142
Document Number	1704107
Map Reference	PB 207 G 540
Instrument Date	Dec 8, 2017
Instrument	1704107
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 MAIN ST, PALMYRA, VA 22963-4142

Tax Assessment & Valuation

The 2025 property tax bill for 332 Main St was $2,326.

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		$308,128 (-) Land $20,000 Building $288,128	$308,128 (-) Land $20,000 Building $288,128
2025	$2,326.00	$308,128 Land $20,000 Building $288,128	$308,128 Land $20,000 Building $288,128
2023		$247,500 Land $20,000 Building $227,500	$247,500 Land $20,000 Building $227,500
2022	$2,088.00

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

Flood

FEMA maps place 332 Main St 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	2 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 332 Main St 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	PALMYRA private · serves 90 people · EPA ID VA2065540
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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