4 Mechunk Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4 Mechunk Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1986
Lot Size	0.519 acres (22,608 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jul 2021)
Tax Bill	$1,829 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`18A 6 231`

Property Details

APN / Parcel Number

Primary APN	`18A 6 231`
Alternative APN	`10381`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	3,376 sqft
1st Floor Area	1,536 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,608 sqft (0.519 acres)
Terrain	Rolling
View / Lot	River
Porch	Slab
Porch Area	160 sqft
Deck 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	10381
Street Address	4 MECHUNK TER
City	PALMYRA
State	VA
Zip	22963-2058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210003735 RIVERSIDE-6 LOT 231 22,606 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	23
Legal Lot Number	231
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

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 MECHUNK TER, PALMYRA, VA 22963-2058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE
Oct 22, 2020	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2021 · Amount on Record
Deed Sale	Jul 29, 2021 · Amount on Record
Prior Sale	Oct 22, 2020 · Amount on Record
Deed Document Number	20213735
Prior Transfer Date	Oct 13, 2020
Prior Transfer Doc	0000004251
Record Updated	Sep 20, 2026

July 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 29, 2021
Property Address	4 MECHUNK TER, PALMYRA, VA 22963-2058
Document Number	0210003735
Map Reference	DB 83 PG 224
Instrument Date	Jun 18, 2021
Instrument	210003735
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
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 MECHUNK TER, PALMYRA, VA 22963-2058

Mortgage

Document Number	0210003736
Date	Jul 29, 2021
Instrument	210003736

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 22, 2020
Property Address	4 MECHUNK TER, PALMYRA, VA 22963-2058
Document Number	0200004251
Map Reference	DB 153 PG 111
Instrument Date	Oct 13, 2020
Instrument	200004251
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MECHUNK TER, PALMYRA, VA 22963-2058

Mortgage

Document Number	0200004252
Date	Oct 22, 2020
Instrument	200004252

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Nov 1, 2049

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		$242,300 (-) Land $33,000 Building $209,300	$242,300 (-) Land $33,000 Building $209,300
2025	$1,829.00 (+11.87%)	$242,300 (+25.03%) Land $33,000 Building $209,300	$242,300 (+25.03%) Land $33,000 Building $209,300
2023		$193,800 Land $33,000 Building $160,800	$193,800 Land $33,000 Building $160,800
2022	$1,635.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 45 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Mechunk Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures