4 Lock's Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4 Lock's Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,178 sqft · built 1999
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Tax Bill	$3,970 (2025)
Flood Zone	Zone X (minimal risk)
APN	`18A 4 188`

Property Details

APN / Parcel Number

Primary APN	`18A 4 188`
Alternative APN	`10166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,178 sqft Living Area
Gross Area	5,247 sqft
1st Floor Area	2,178 sqft
Basement Area	1,307 sqft
Finished Basement	1,307 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2012
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Terrain	Rolling
Garage Type	Built-in
Garage Area	396 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	327 sqft
Deck Area	168 sqft
Putting Green	Putting Green

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10166
Street Address	4 LOCKS RD
City	PALMYRA
State	VA
Zip	22963-2511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	WB 72-158 FAIRWAY-4 LOT 188 20,045 SF
Legal Subdivision	LAKE MONTICELLO SUBDIVISION
Legal Block	18
Legal Lot Number	188
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2003
Census Tract	20103

Owner

Source: Fluvanna County records · APN 18A 4 188

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	4 LOCKS RD, PALMYRA, VA 22963-2511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$525,900 (-) Land $33,000 Building $492,900	$525,900 (-) Land $33,000 Building $492,900
2025	$3,970.00 (+16.32%)	$525,900 (+30.01%) Land $33,000 Building $492,900	$525,900 (+30.01%) Land $33,000 Building $492,900
2023		$404,500 Land $33,000 Building $371,500	$404,500 Land $33,000 Building $371,500
2022	$3,413.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), as of March 25, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510650201032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Central Virginia Electric Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 47 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system VA2065480, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LAKE MONTICELLO private · serves 12,943 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.