Fluvanna County property record for 4 Dow Ct, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 1,932 sqft · built 1986 |
| Lot Size | 0.757 acres (32,975 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,879 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 8 46 |
| Primary APN | 18A 8 46 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,932 sqft Living Area |
| Gross Area | 5,108 sqft |
| 1st Floor Area | 1,820 sqft |
| Basement Area | 756 sqft |
| Finished Basement | 756 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 32,975 sqft (0.757 acres) |
| Terrain | Rolling |
| Deck Area | 56 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 4809 |
|---|---|
| Street Address | 4 DOW CT |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | DB 298-80 NAHOR-8 LOT 46 32,966 SF |
| Legal Subdivision | NAHOR |
| Legal Block | 4 |
| Legal Lot Number | 46 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 20103 |
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 DOW CT, PALMYRA, VA 22963-2646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2017 | Deed of Trust, Mortgage · VA Mortgage NORWICH COMMERCIAL GROUP INC |
| Sep 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Apr 19, 2005 | Deed of Trust, Mortgage · Line of Credit UVA COMMUNITY CREDIT UNION INC |
| Feb 14, 2025 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VA COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 4 DOW CT, PALMYRA, VA 22963-2646 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001700142 |
|---|---|
| Date | Jan 17, 2017 |
| Instrument | 1700142 |
| Name | NORWICH COMMERCIAL GROUP INC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 4 DOW CT, PALMYRA, VA 22963-2646 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Title Company | LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE |
| Name | Verified Name |
|---|
| Document Number | 0210004752 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 210004752 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 4 DOW CT, PALMYRA, VA 22963-2646 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000628/107 |
|---|---|
| Date | Apr 19, 2005 |
| Book Page | 628/107 |
| Instrument | 2461 |
| Name | UVA COMMUNITY CREDIT UNION INC |
|---|---|
| Address | 3300 BERKMAR DR, CHARLOTTESVILLE, VA 22901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Apr 25, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 4 DOW CT, PALMYRA, VA 22963-2646 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0250000406 |
|---|---|
| Date | Feb 14, 2025 |
| Instrument | 250000406 |
| Name | UNIVERSITY OF VA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 4, 2055 |
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $381,400 (-) Land $33,000 Building $348,400 | $381,400 (-) Land $33,000 Building $348,400 | |
| 2025 | $2,879.00 (+23.3%) | $381,400 (+37.84%) Land $33,000 Building $348,400 | $381,400 (+37.84%) Land $33,000 Building $348,400 |
| 2023 | $276,700 Land $33,000 Building $243,700 | $276,700 Land $33,000 Building $243,700 | |
| 2022 | $2,335.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 214 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 |
| AT&T Fixed Wireless | 100 / 20 |
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