4 Barrett St, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4 Barrett St, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,544 sqft · built 1988
Lot Size	0.395 acres (17,206 sqft)
Owner	2 Individual Names on File
Last Sale	$147,500 (Dec 2014)
Tax Bill	$2,500 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 4 450`

Property Details

APN / Parcel Number

Primary APN	`18A 4 450`
Alternative APN	`4709`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
Gross Area	3,724 sqft
1st Floor Area	1,180 sqft
Basement Area	364 sqft
Finished Basement	364 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	17,206 sqft (0.395 acres)
Terrain	Rolling
Garage Area	396 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Shed	1 Shed
Putting Green	Putting Green

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4709
Street Address	4 BARRETT ST
City	PALMYRA
State	VA
Zip	22963-2555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180000029 FAIRWAY-4 LOT 450 17,215 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	45
Legal Lot Number	450
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2004
Census Tract	20103

Owner

4 Barrett St is owned and occupied by two individuals who acquired it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 BARRETT ST, PALMYRA, VA 22963-2555
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
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jan 4, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage LIVE WELL FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2014 · Amount on File
Deed Sale	Dec 22, 2014 · Amount on File
Deed Document Number	20143560
Last Transfer Date	Dec 22, 2017
Transfer Doc	0000000029
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Apr 3, 2026
Property Address	4 BARRETT ST, PALMYRA, VA 22963-2555
Document Number	0000000953
Instrument Date	Mar 30, 2026
Instrument	2026953
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BARRETT ST, PALMYRA, VA 22963-2555

Mortgage

Document Number	0000000953,
Date	Apr 3, 2026
Instrument	2026953

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 BARRETT ST, PALMYRA, VA 22963-2555
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001303
Date	Mar 15, 2021
Instrument	210001303

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jan 4, 2018
Property Address	4 BARRETT ST, PALMYRA, VA 22963-2555
Document Number	1800029
Map Reference	PB 96 PG 465
Instrument Date	Dec 22, 2017
Instrument	1800029
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 BARRETT ST, PALMYRA, VA 22963-2555

Mortgage

Document Number	1800030
Date	Jan 4, 2018
Instrument	1800030

Lender

Name	LIVE WELL FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4 Barrett St was $2,500, up 0.6% from the year before.

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		$331,200 (-) Land $55,000 Building $276,200	$331,200 (-) Land $55,000 Building $276,200
2025	$2,500.00 (+0.64%)	$331,200 Land $55,000 Building $276,200	$331,200 Land $55,000 Building $276,200
2024	$2,484.00
2023		$266,700 Land $55,000 Building $211,700	$266,700 Land $55,000 Building $211,700
2022	$2,250.00

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

Flood

FEMA maps place 4 Barrett St 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	1 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 4 Barrett St is low, with a 0.01% 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	0.01% 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 173 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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