39 Chippewa Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 39 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 Record
Last Sale	$167,000 (Oct 2018)
Tax Bill	$1,770 (2025)
Deeds & Mortgages	Dec 2006 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 10 61`

Property Details

APN / Parcel Number

Primary APN	`18A 10 61`
Alternative APN	`8841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,308 sqft Living Area
Gross Area	2,828 sqft
1st Floor Area	1,260 sqft
Flooring	Softwood
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

Exterior Amenities

Porch	Patio
Porch Area	132 sqft
Deck Area	128 sqft
Balcony Area	48 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8841
Street Address	39 CHIPPEWA LN
City	PALMYRA
State	VA
Zip	22963-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180003339 CHEROKEE-10 LOT 61 16,365 SF
Legal Subdivision	CHEROKEE
Legal Block	6
Legal Lot Number	61
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1012
Census Tract	20104

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	39 CHIPPEWA LN, PALMYRA, VA 22963-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2006	Deed of Trust, Mortgage · USDA Mortgage USDA
Jun 28, 2019	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Oct 26, 2018	Deed, Transfer · FHA Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Prior Sale	May 18, 2010 · Amount on Record
Deed Document Number	20183339
Record Updated	Sep 20, 2026

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	39 CHIPPEWA LN, PALMYRA, VA 22963-3107
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000709/376
Date	Dec 5, 2006
Book Page	709/376
Instrument	7111

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Dec 5, 2039

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	39 CHIPPEWA LN, PALMYRA, VA 22963-3107
Transaction Type	Mortgage
Record Updated	Jul 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1901855
Date	Jun 28, 2019
Instrument	1901855

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 26, 2018
Property Address	39 CHIPPEWA LN, PALMYRA, VA 22963-3107
Document Number	1803339
Map Reference	PB 103 PG 334
Instrument Date	Oct 4, 2018
Instrument	1803339
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	39 CHIPPEWA LN, PALMYRA, VA 22963-3107

Mortgage

Document Number	1803340
Date	Oct 26, 2018
Instrument	1803340

Lender

Name	NFM INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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		$234,500 (-) Land $30,000 Building $204,500	$234,500 (-) Land $30,000 Building $204,500
2025	$1,770.00 (+13.24%)	$234,500 (+26.55%) Land $30,000 Building $204,500	$234,500 (+26.55%) Land $30,000 Building $204,500
2023		$185,300 Land $30,000 Building $155,300	$185,300 Land $30,000 Building $155,300
2022	$1,563.00

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	0.02% 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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