38 Forest Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 38 Forest Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,437 sqft · built 1988
Lot Size	0.728 acres (31,712 sqft)
Owner	Individual Name on Record
Last Sale	$253,000 (Jul 2021)
Tax Bill	$2,311 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 229`

Property Details

APN / Parcel Number

Primary APN	`18A 3 229`
Alternative APN	`4794`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,437 sqft Living Area
Gross Area	2,777 sqft
1st Floor Area	1,387 sqft
Basement Area	866 sqft
Finished Basement	866 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,712 sqft (0.728 acres)
Terrain	Rolling
Deck Area	30 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4794
Street Address	38 FOREST DR
City	PALMYRA
State	VA
Zip	22963-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210003347 MONTPELIER-3 LOT 229 31,703 SF
Legal Subdivision	MONTPELIER PH 3
Legal Block	22
Legal Lot Number	229
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
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	38 FOREST DR, PALMYRA, VA 22963-2121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage UVA COMMUNITY CU
Jun 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 27, 2025	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2021 · Amount on Record
Deed Sale	Jul 8, 2021 · Amount on Record
Prior Sale	Jan 8, 2015 · Amount on Record
Deed Document Number	20213347
Last Transfer Date	Oct 15, 2025
Transfer Doc	0000003275
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	38 FOREST DR, PALMYRA, VA 22963-2121
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001700542
Date	Feb 21, 2017
Instrument	1700542

Lender

Name	UVA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 15, 2022

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	38 FOREST DR, PALMYRA, VA 22963-2121
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001901680
Date	Jun 12, 2019
Instrument	1901680

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2034

Interest

Rate Type	Fixed Rate

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 27, 2025
Property Address	38 FOREST DR, PALMYRA, VA 22963-2121
Document Number	0250003275
Instrument Date	Oct 15, 2025
Instrument	250003275
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	CLOSURE TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 FOREST DR, PALMYRA, VA 22963-2121

Mortgage

Document Number	0250003276
Date	Oct 27, 2025
Instrument	250003276

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	38 FOREST DR, PALMYRA, VA 22963-2121
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210003348
Date	Jul 8, 2021
Instrument	210003348

Lender

Name	FINANCE OF AMERICA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

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		$306,200 (-) Land $31,400 Building $274,800	$306,200 (-) Land $31,400 Building $274,800
2025	$2,311.00 (+0.65%)	$306,200 (+36.09%) Land $31,400 Building $274,800	$306,200 (+36.09%) Land $31,400 Building $274,800
2024	$2,296.00 (+20.91%)
2023		$225,000 Land $31,400 Building $193,600	$225,000 Land $31,400 Building $193,600
2022	$1,899.00

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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