4 Chippewa Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4 Chippewa Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,128 sqft · built 1989
Lot Size	0.452 acres (19,689 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Sep 2018)
Tax Bill	$1,940 (2025)
Deeds & Mortgages	Aug 2021 Reverse Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 10 101`

Property Details

APN / Parcel Number

Primary APN	`18A 10 101`
Alternative APN	`5558`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
Gross Area	3,040 sqft
1st Floor Area	1,128 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,689 sqft (0.452 acres)
Terrain	Rolling
View / Lot	Corner
Garage Area	512 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5558
Street Address	4 CHIPPEWA LN
City	PALMYRA
State	VA
Zip	22963-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180002848 CHEROKEE-10 LOT 101 19,700 SF
Legal Subdivision	CHEROKEE LAKE MONTICELLO SUBDIVISION
Legal Block	10
Legal Lot Number	101
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1010
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	Individual Name on Record
Mailing Address	4 CHIPPEWA LN, PALMYRA, VA 22963-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage HUD
Sep 14, 2018	Bargain and Sale Deed, Transfer · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2018 · Amount on Record
Deed Sale	Sep 14, 2018 · Amount on Record
Prior Sale	Jan 12, 2011 · Amount on Record
Deed Document Number	20182848
Prior Transfer Date	Jan 5, 2011
Prior Transfer Doc	0000000208
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 CHIPPEWA LN, PALMYRA, VA 22963-3102
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004274
Date	Aug 26, 2021
Instrument	210004274

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 CHIPPEWA LN, PALMYRA, VA 22963-3102
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210004275
Date	Aug 26, 2021
Instrument	210004275

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 14, 2018
Property Address	4 CHIPPEWA LN, PALMYRA, VA 22963-3102
Document Number	1802848
Map Reference	PB 103 PG 334
Instrument Date	Jul 23, 2018
Instrument	1802848
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
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	4 CHIPPEWA LN, PALMYRA, VA 22963-3102

Mortgage

Document Number	1802849
Date	Sep 14, 2018
Instrument	1802849

Lender

Name	REVERSE MORTGAGE FUNDING LLC

Agreement

Type	Reverse 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		$257,000 (-) Land $30,000 Building $227,000	$257,000 (-) Land $30,000 Building $227,000
2025	$1,940.00 (+0.67%)	$257,000 (+43.1%) Land $30,000 Building $227,000	$257,000 (+43.1%) Land $30,000 Building $227,000
2024	$1,927.00 (+27.19%)
2023		$179,600 Land $30,000 Building $149,600	$179,600 Land $30,000 Building $149,600
2022	$1,515.00

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	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 103 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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