35 Chatham Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 35 Chatham Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,518 sqft · built 2002
Lot Size	0.517 acres (22,521 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Apr 2025)
Tax Bill	$7,810 (2025)
Deeds & Mortgages	Mar 2018 Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 1 352`

Property Details

APN / Parcel Number

Primary APN	`18A 1 352`
Alternative APN	`6499`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,518 sqft Living Area
Gross Area	7,948 sqft
1st Floor Area	2,278 sqft
Attic	Attic
Attic Area	214 sqft
Basement Area	2,278 sqft
Finished Basement	1,530 sqft
Sunroom	Sunroom
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,521 sqft (0.517 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Deck Area	564 sqft
Patio Area	396 sqft
Gazebo	Gazebo
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	6499
Street Address	35 CHATHAM LN
City	PALMYRA
State	VA
Zip	22963-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 250001246 ASHLAWN-1 LOT 352 22,505 SF
Legal Subdivision	ASHLAWN
Legal Block	35
Legal Lot Number	352
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

35 Chatham Ln is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	35 CHATHAM LN, PALMYRA, VA 22963-2101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Mar 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
May 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Apr 30, 2025	Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2025 · Amount on File
Deed Sale	Apr 30, 2025 · Amount on File
Deed Document Number	20251246
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	35 CHATHAM LN, PALMYRA, VA 22963-2101
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001800733
Date	Mar 14, 2018
Instrument	1800733

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2033

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	35 CHATHAM LN, PALMYRA, VA 22963-2101
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001801512
Date	May 17, 2018
Instrument	1801512

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2048

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	35 CHATHAM LN, PALMYRA, VA 22963-2101
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200004262
Date	Oct 22, 2020
Instrument	200004262

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

April 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 30, 2025
Property Address	35 CHATHAM LN, PALMYRA, VA 22963-2101
Document Number	0250001246
Map Reference	DB 76 PG 206
Instrument Date	Apr 16, 2025
Instrument	250001246
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	35 CHATHAM LN, PALMYRA, VA 22963-2101

Tax Assessment & Valuation

The 2025 property tax bill for 35 Chatham Ln was $7,810, up 0.7% from the year before.

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		$1,034,500 (%) Land $218,000 Building $816,500	$1,034,500 (%) Land $218,000 Building $816,500
2025	$7,810.00 (+0.67%)	$1,034,530 Land $218,000 Building $816,530	$1,034,530 Land $218,000 Building $816,530
2024	$7,758.00
2023		$833,100 Land $218,000 Building $615,100	$833,100 Land $218,000 Building $615,100
2022	$7,031.00

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

Flood

FEMA maps place 35 Chatham Ln 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	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

Wildfire risk around 35 Chatham Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 98% 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 257 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 (outdoors only) and 4G LTE

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