348 Arrow Head Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 348 Arrow Head Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1978
Lot Size	7.42 acres (323,389 sqft)
Owner	2 Individual Names on Record
Last Sale	$302,000 (Dec 2025)
Tax Bill	$1,860 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20 A 31B`

Property Details

APN / Parcel Number

Primary APN	`20 A 31B`
Alternative APN	`2688`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,424 sqft
1st Floor Area	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	323,389 sqft (7.42 acres)
Terrain	Rolling
Deck Area	112 sqft
Shed	1 Shed
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2688
Street Address	348 ARROW HEAD LN
City	PALMYRA
State	VA
Zip	22963-4482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 180001313 AC 7.424
Legal Block	3
Legal Lot Number	B
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1041
Census Tract	20200

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	2 Individual Names on Record
Mailing Address	348 ARROW HEAD LN, PALMYRA, VA 22963-4482
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage DUPONT COMMUNITY CU
Dec 4, 2025	Bargain and Sale Deed, Transfer · FHA Mortgage CORNERSTONE FIRST MORTGAGE LLC
Apr 27, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2025 · Amount on Record
Deed Sale	Dec 4, 2025 · Amount on Record
Prior Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	20253696
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	348 ARROW HEAD LN, PALMYRA, VA 22963-4482
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001624
Date	May 2, 2022
Instrument	220001624

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	420 Months
Due	Apr 18, 2057

Interest

Rate Type	Fixed Rate

December 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 4, 2025
Property Address	348 ARROW HEAD LN, PALMYRA, VA 22963-4482
Document Number	0250003696
Instrument Date	Oct 1, 2025
Instrument	250003696
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	CARDINAL TITLE GROUP LLC, CARDINAL TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$302.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	348 ARROW HEAD LN, PALMYRA, VA 22963-4482

Mortgage

Document Number	0250003697
Date	Dec 4, 2025
Instrument	250003697

Lender

Name	CORNERSTONE FIRST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 27, 2018
Property Address	348 ARROW HEAD LN, PALMYRA, VA 22963-4482
Document Number	1801313
Map Reference	PB 123 PG 188
Instrument Date	Apr 23, 2018
Instrument	1801313
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount Recorded
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	348 ARROW HEAD LN, PALMYRA, VA 22963-4482

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		$246,400 (+0.02%) Land $60,400 Building $186,000	$246,400 (+0.02%) Land $60,400 Building $186,000
2025	$1,860.00 (+0.7%)	$246,360 (+36.79%) Land $60,400 Building $185,960	$246,360 (+36.79%) Land $60,400 Building $185,960
2024	$1,847.00 (+21.51%)
2023		$180,100 Land $60,400 Building $119,700	$180,100 Land $60,400 Building $119,700
2022	$1,520.00

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
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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