34 Forest Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 34 Forest Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 1990
Lot Size	0.356 acres (15,507 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Mar 2026)
Tax Bill	$2,001 (2025)
Deeds & Mortgages	May 2006 Line of Credit Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 227`

Property Details

APN / Parcel Number

Primary APN	`18A 3 227`
Alternative APN	`8938`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	1,312 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,507 sqft (0.356 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	196 sqft
Deck Area	120 sqft
Balcony Area	12 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8938
Street Address	34 FOREST DR
City	PALMYRA
State	VA
Zip	22963-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180001849 MONTPELIER-3 LOT 227 15,521 SF
Legal Subdivision	MONTPELIER ADDITION ONE
Legal Block	22
Legal Lot Number	227
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

Source: Fluvanna County records, as of June 25, 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 Record
Mailing Address	3 PIEDMONT LN, PALMYRA, VA 22963-2128
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2006	Deed of Trust, Mortgage · Line of Credit UNION BANK & TRUST CO
Mar 11, 2026	Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jun 15, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2026 · Amount on Record
Deed Sale	Mar 11, 2026 · Amount on Record
Prior Sale	Jun 15, 2018 · Amount on Record
Deed Document Number	2026711
Record Updated	Sep 20, 2026

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	34 FOREST DR, PALMYRA, VA 22963-2121
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000684/337
Date	May 25, 2006
Book Page	684/337
Instrument	2985

Lender

Name	UNION BANK & TRUST CO
Type	Bank
Address	PALMYRA, VA 22963

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 20, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 11, 2026
Property Address	34 FOREST DR, PALMYRA, VA 22963-2121
Document Number	0260000711
Map Reference	MB 81 PG 551-553
Instrument Date	Feb 26, 2026
Instrument	260000711
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
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 PIEDMONT LN, PALMYRA, VA 22963-2128

Mortgage

Document Number	0260000712
Date	Mar 11, 2026
Instrument	260000712

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 15, 2018
Property Address	34 FOREST DR, PALMYRA, VA 22963-2121
Document Number	1801849
Map Reference	PB 81 PG 551
Instrument Date	May 8, 2018
Instrument	1801849
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
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	34 FOREST DR, PALMYRA, VA 22963-2121

Mortgage

Document Number	1801850
Date	Jun 15, 2018
Instrument	1801850

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$265,100 (-) Land $28,500 Building $236,600	$265,100 (-) Land $28,500 Building $236,600
2025	$2,001.00 (+0.65%)	$265,100 (+22.56%) Land $28,500 Building $236,600	$265,100 (+22.56%) Land $28,500 Building $236,600
2024	$1,988.00 (+8.93%)
2023		$216,300 Land $28,500 Building $187,800	$216,300 Land $28,500 Building $187,800
2022	$1,825.00

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	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

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	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 256 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

Cell Coverage

5G and 4G LTE (outdoors only)

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