37 Forest Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 37 Forest Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1986
Lot Size	0.371 acres (16,161 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jan 2022)
Tax Bill	$1,665 (2025)
Deeds & Mortgages	Aug 2006 Mortgage Aug 2006 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 210`

Property Details

APN / Parcel Number

Primary APN	`18A 3 210`
Alternative APN	`10326`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,488 sqft
1st Floor Area	1,056 sqft
Utility Room	Utility Room
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,161 sqft (0.371 acres)
Terrain	Rolling
Porch	Slab
Porch Area	132 sqft
Deck Area	258 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10326
Street Address	37 FOREST DR
City	PALMYRA
State	VA
Zip	22963-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220000079 MONTPELIER-3 LOT 210 16,182 SF
Legal Subdivision	MONTPELIER ADDITION ONE LAKE MONTICELLO
Legal Block	21
Legal Lot Number	210
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1007
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	37 FOREST DR, PALMYRA, VA 22963-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2006	Deed of Trust, Mortgage · ARM NOVASTAR MORTGAGE INC
Aug 30, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NOVASTAR MORTGAGE INC
Jul 6, 2005	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL LENDING CORPORATION
Jan 10, 2022	Deed, Transfer · Conventional Mortgage FINANCE AMERICA MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2022 · Amount on Record
Deed Sale	Jan 10, 2022 · Amount on Record
Prior Sale	Dec 28, 2012
Deed Document Number	202279
Record Updated	Sep 20, 2026

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	37 FOREST DR, PALMYRA, VA 22963-2115
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000698/444
Date	Aug 30, 2006
Book Page	698/444
Instrument	5249

Lender

Name	NOVASTAR MORTGAGE INC
Type	Subprime Lender
Address	INDEPENDENCE, OH 44131

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	Sep 1, 2008
Change Frequency	6 Months
Min Rate At Change	8.12%
Max Rate At Change	11.1%
Index	6-Month LIBOR
Max Rate	15.1%

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	37 FOREST DR, PALMYRA, VA 22963-2115
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000698/468
Date	Aug 30, 2006
Book Page	698/468
Instrument	5250

Lender

Name	NOVASTAR MORTGAGE INC
Type	Subprime Lender
Address	INDEPENDENCE, OH 44131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2021

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	37 FOREST DR, PALMYRA, VA 22963-2115
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000640/565
Date	Jul 6, 2005
Book Page	640/565
Instrument	4468

Lender

Name	RESIDENTIAL LENDING CORPORATION
Address	BELTSVILLE, MD 20705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2035

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 10, 2022
Property Address	37 FOREST DR, PALMYRA, VA 22963-2115
Document Number	0220000079
Map Reference	DB 81 PG 551
Instrument Date	Dec 31, 2021
Instrument	220000079
Transaction Type	Transfer
Record Updated	Apr 3, 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	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 FOREST DR, PALMYRA, VA 22963-2115

Mortgage

Document Number	0220000080
Date	Jan 10, 2022
Instrument	220000080

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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		$220,600 (-) Land $30,000 Building $190,600	$220,600 (-) Land $30,000 Building $190,600
2025	$1,665.00 (+29.57%)	$220,600 (+44.85%) Land $30,000 Building $190,600	$220,600 (+44.85%) Land $30,000 Building $190,600
2023		$152,300 Land $30,000 Building $122,300	$152,300 Land $30,000 Building $122,300
2022	$1,285.00

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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