4 Pineknoll Cir, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4 Pineknoll Cir, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 960 sqft · built 1968
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Aug 2024)
Tax Bill	$4,197 (2025)
Deeds & Mortgages	Apr 2009 Mortgage May 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 1 23`

Property Details

APN / Parcel Number

Primary APN	`18A 1 23`
Alternative APN	`7815`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	360 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	40 sqft
Patio Area	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7815
Street Address	4 PINEKNOLL CIR
City	PALMYRA
State	VA
Zip	22963-3332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240002122 ASHLAWN-1 LOT 23 13,508 SF
Legal Subdivision	ASHLAWN
Legal Block	2
Legal Lot Number	23
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1025
Census Tract	20104

Owner

Source: Fluvanna County records, as of October 20, 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 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2009	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 11, 2007	Deed of Trust, Mortgage · Conventional Mortgage C & F MORTGAGE CORP
Dec 1, 2011	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 19, 2024	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Aug 15, 2022	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2024 · Amount on Record
Deed Sale	Aug 19, 2024 · Amount on Record
Prior Sale	May 11, 2007 · Amount on Record
Deed Document Number	20242122
Prior Transfer Date	Dec 16, 2011
Prior Transfer Doc	0000000080
Record Updated	Oct 29, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000789/725
Date	Apr 14, 2009
Book Page	789/725
Instrument	1334

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2039

Interest

Rate	4.62%

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000728/225
Date	May 11, 2007
Book Page	728/225
Instrument	2615

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2037

Interest

Rate	6%

December 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Transaction Type	Mortgage
Record Updated	Jun 25, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000854/345
Date	Dec 1, 2011
Book Page	854/345
Instrument	1103662

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2026

Interest

Rate	3.25%

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 19, 2024
Property Address	4 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Document Number	0240002122
Map Reference	DB 74 PG 496
Instrument Date	Aug 1, 2024
Instrument	240002122
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$625.00
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 PINEKNOLL CIR, PALMYRA, VA 22963-3332

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 15, 2022
Property Address	4 PINEKNOLL CIR, PALMYRA, VA 22963-3332
Document Number	0220002991
Map Reference	DB 74 PG 496
Instrument Date	Aug 15, 2022
Instrument	220002991
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 PINEKNOLL CIR, PALMYRA, VA 22963-3332

Mortgage

Document Number	0220002992
Date	Aug 15, 2022
Instrument	220002992

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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		$556,000 (-) Land $170,000 Building $386,000	$556,000 (-) Land $170,000 Building $386,000
2025	$4,197.00 (+0.65%)	$556,000 (+53.17%) Land $170,000 Building $386,000	$556,000 (+53.17%) Land $170,000 Building $386,000
2024	$4,170.00 (+36.14%)
2023		$363,000 Land $170,000 Building $193,000	$363,000 Land $170,000 Building $193,000
2022	$3,063.00

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	0.01% 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 219 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: Brightspeed, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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