34 Kathy Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 34 Kathy Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,457 sqft · built 2011
Lot Size	0.504 acres (21,954 sqft)
Owner	Individual Name on File
Tax Bill	$2,902 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18 12 75`

Property Details

APN / Parcel Number

Primary APN	`18 12 75`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,457 sqft Living Area
Gross Area	3,469 sqft
1st Floor Area	1,457 sqft
Basement Area	1,457 sqft
Finished Basement	510 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,954 sqft (0.504 acres)
Terrain	Rolling
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	30 sqft
Deck Area	165 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	34 KATHY CT
City	PALMYRA
State	VA
Zip	22963-2093
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	DB 980-516 AC 0.5036 SYCAMORE SQUARE PHASE III
Legal Subdivision	SYCAMORE SQUARE
Legal Phase	3
Legal Block	7
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4008
Census Tract	20101

Owner

34 Kathy Ct is owned and occupied by an individual who acquired it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	34 KATHY CT, PALMYRA, VA 22963-2093
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 27, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VA COMMUNITY CU
Feb 16, 2017	Deed, Transfer · VA Mortgage PEOPLES HOME EQUITY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2017
Deed Sale	Feb 16, 2017
Prior Sale	Nov 2, 2011 · Amount on File
Deed Document Number	2017505
Prior Transfer Date	Feb 29, 2016
Prior Transfer Doc	0000000971
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	34 KATHY CT, PALMYRA, VA 22963-2093
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001725
Date	Jun 27, 2023
Instrument	230001725

Lender

Name	UNIVERSITY OF VA COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2053

February 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 16, 2017
Property Address	34 KATHY CT, PALMYRA, VA 22963-2093
Document Number	1700505
Map Reference	PB 2 PG 247
Instrument Date	Feb 14, 2017
Instrument	1700505
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 KATHY CT, PALMYRA, VA 22963-2093

Mortgage

Document Number	1700506
Date	Feb 16, 2017
Instrument	1700506

Lender

Name	PEOPLES HOME EQUITY INC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 34 Kathy Ct was $2,902.

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		$384,400 (-) Land $35,000 Building $349,400	$384,400 (-) Land $35,000 Building $349,400
2025	$2,902.00	$384,400 Land $35,000 Building $349,400	$384,400 Land $35,000 Building $349,400
2023		$317,400 Land $35,000 Building $282,400	$317,400 Land $35,000 Building $282,400
2022	$2,678.00

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

Flood

FEMA maps place 34 Kathy Ct 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	5 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 34 Kathy Ct 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 59 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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