38 Chippewa Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 38 Chippewa Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,308 sqft · built 1997
Lot Size	0.376 acres (16,379 sqft)
Owner	2 Individual Names on File
Last Sale	$286,000 (Oct 2022)
Tax Bill	$2,001 (2025)
Deeds & Mortgages	Aug 2026 Sale May 2023 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 10 325`

Property Details

APN / Parcel Number

Primary APN	`18A 10 325`
Alternative APN	`5726`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,308 sqft Living Area
Gross Area	3,142 sqft
1st Floor Area	1,308 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,379 sqft (0.376 acres)
Terrain	Rolling
View / Lot	Corner
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	70 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5726
Street Address	38 CHIPPEWA LN
City	PALMYRA
State	VA
Zip	22963-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220003733 CHEROKEE-10 LOT 325 16,365 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	32
Legal Lot Number	325
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1001
Census Tract	20104

Owner

38 Chippewa Ln is owned and occupied by two individuals who acquired it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 CHIPPEWA LN, PALMYRA, VA 22963-3104
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
Aug 13, 2026	Affidavit, Transfer
May 8, 2023	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMISSIONER
May 8, 2023	Deed of Trust, Mortgage · Reverse Mortgage CLICK N COLSE INC
Oct 19, 2022	Deed, Transfer · Conventional Mortgage BANK OF THE JAMES
Jul 5, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2022 · Amount on File
Deed Sale	Oct 19, 2022 · Amount on File
Prior Sale	Jul 5, 2017 · Amount on File
Deed Document Number	20223733
Last Transfer Date	Aug 7, 2026
Transfer Doc	0000000382
Record Updated	Oct 29, 2026

August 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	FLUVANNA VA
Recording Date	Aug 13, 2026
Property Address	38 CHIPPEWA LN, PALMYRA, VA 22963-3104
Document Number	0000000382
Book / Page	79 / 702
Instrument Date	Aug 7, 2026
Instrument	2026382
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 CHIPPEWA LN, PALMYRA, VA 22963-3106

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	38 CHIPPEWA LN, PALMYRA, VA 22963-3104
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001229
Date	May 8, 2023
Instrument	230001229

Lender

Name	FEDERAL HOUSING COMISSIONER
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	890 Months
Due	Jul 8, 2097

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2020
Change Frequency	Annually
Index	1-Year CMT

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	38 CHIPPEWA LN, PALMYRA, VA 22963-3104
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001228
Date	May 8, 2023
Instrument	230001228

Lender

Name	CLICK N COLSE INC
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	890 Months
Due	Jul 8, 2097

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2020
Change Frequency	Annually
Index	1-Year CMT

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 19, 2022
Property Address	38 CHIPPEWA LN, PALMYRA, VA 22963-3104
Document Number	0220003733
Map Reference	DB 103 PG 334
Instrument Date	Sep 29, 2022
Instrument	220003733
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CHIPPEWA LN, PALMYRA, VA 22963-3104

Mortgage

Document Number	0220003734
Date	Oct 19, 2022
Instrument	220003734

Lender

Name	BANK OF THE JAMES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 5, 2017
Property Address	38 CHIPPEWA LN, PALMYRA, VA 22963-3104
Document Number	0001702155
Map Reference	PB 817 PG 739
Instrument Date	Jun 28, 2017
Instrument	1702155
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CHIPPEWA LN, PALMYRA, VA 22963-3104
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 38 Chippewa Ln was $2,001.

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 $30,000 Building $235,100	$265,100 (-) Land $30,000 Building $235,100
2025	$2,001.00	$265,100 Land $30,000 Building $235,100	$265,100 Land $30,000 Building $235,100
2023		$215,800 Land $30,000 Building $185,800	$215,800 Land $30,000 Building $185,800
2022	$1,821.00

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

Flood

FEMA maps place 38 Chippewa 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 38 Chippewa Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 108 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

Cell Coverage

5G (outdoors only) and 4G LTE

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