39 Forest Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 39 Forest Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,987 sqft · built 1984
Lot Size	0.352 acres (15,333 sqft)
Owner	Individual Name on Record
Last Sale	$395,475 (Mar 2023)
Tax Bill	$2,902 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 3 209`

Property Details

APN / Parcel Number

Primary APN	`18A 3 209`
Alternative APN	`8811`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,987 sqft Living Area
Gross Area	5,393 sqft
1st Floor Area	1,616 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,333 sqft (0.352 acres)
Terrain	Rolling
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	438 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8811
Street Address	39 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 230000793 MONTPELIER-3 LOT 209 15,320 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	20
Legal Lot Number	209
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1007
Census Tract	20103

Owner

Source: Fluvanna County records, as of July 13, 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	39 FOREST DR, PALMYRA, VA 22963-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Deed, Transfer · Conventional Mortgage DIGITAL FCU
Feb 28, 2020	Deed, Transfer · Conventional Mortgage ATLANTA BAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2023 · Amount on Record
Deed Sale	Mar 29, 2023 · Amount on Record
Prior Sale	Feb 28, 2020 · Amount on Record
Deed Document Number	2023793
Record Updated	Sep 20, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 29, 2023
Property Address	39 FOREST DR, PALMYRA, VA 22963-2115
Document Number	0230000793
Map Reference	DB 81 PG 551
Instrument Date	Mar 4, 2023
Instrument	230000793
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$395.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 FOREST DR, PALMYRA, VA 22963-2115

Mortgage

Document Number	0230000794
Date	Mar 29, 2023
Instrument	230000794

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Margin	3
Max Rate	10.8%

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 28, 2020
Property Address	39 FOREST DR, PALMYRA, VA 22963-2115
Document Number	0200000708
Map Reference	DB 81 PG 552
Instrument Date	Feb 12, 2020
Instrument	200000708
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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 FOREST DR, PALMYRA, VA 22963-2115

Mortgage

Document Number	0200000709
Date	Feb 28, 2020
Instrument	200000709

Lender

Name	ATLANTA BAY MORTGAGE GROUP

Agreement

Type	Conventional 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		$384,460 (-) Land $30,000 Building $354,460	$384,460 (-) Land $30,000 Building $354,460
2025	$2,902.00 (+9.22%)	$384,460 (+22.09%) Land $30,000 Building $354,460	$384,460 (+22.09%) Land $30,000 Building $354,460
2023		$314,900 Land $30,000 Building $284,900	$314,900 Land $30,000 Building $284,900
2022	$2,657.00

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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