4 Powhatan Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4 Powhatan Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1995
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$171,000 (Dec 2023)
Tax Bill	$1,641 (2025)
Deeds & Mortgages	Feb 2024 Reverse Mortgage Feb 2024 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 509`

Property Details

APN / Parcel Number

Primary APN	`18A 5 509`
Alternative APN	`4173`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	3,076 sqft
1st Floor Area	1,320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	276 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4173
Street Address	4 POWHATAN RD
City	PALMYRA
State	VA
Zip	22963-3051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230001932 TUFTON-5 LOT 509 15,000 SF
Legal Subdivision	LAKE MONTICELLO SUBDIVISION
Legal Block	50
Legal Lot Number	509
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2022
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 POWHATAN RD, PALMYRA, VA 22963-3051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMISSIONER
Feb 27, 2024	Deed of Trust, Mortgage · Reverse Mortgage GRS TITLE SERVICES LLC
Jul 13, 2023	Cash Sale Deed, Subdivision Related Transfer E-CHICAGO TITLE, CHICAGO TITLE
May 10, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2023 · Amount on Record
Deed Sale	Dec 29, 2023 · Amount on Record
Prior Sale	Jul 13, 2023 · Amount on Record
Deed Document Number	2023593
Deed Book / Page	75 / 404
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 POWHATAN RD, PALMYRA, VA 22963-3051
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000443
Date	Feb 27, 2024
Instrument	240000443

Lender

Name	FEDERAL HOUSING COMISSIONER
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Due	Jan 26, 2002

Interest

Rate Type	Adjustable Rate
Rate	7.69%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Index	1-Year CMT

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 POWHATAN RD, PALMYRA, VA 22963-3051
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000442
Date	Feb 27, 2024
Instrument	240000442

Lender

Name	GRS TITLE SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Due	Jan 26, 2002

Interest

Rate Type	Adjustable Rate
Rate	7.69%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Index	1-Year CMT

July 2023: Cash Sale Deed, Subdivision Related Transfer

Document Type	Cash Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 13, 2023
Property Address	4 POWHATAN RD, PALMYRA, VA 22963-3051
Document Number	0230001932
Map Reference	DB 86 PG 402
Instrument Date	Jul 12, 2023
Instrument	230001932
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 19, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 POWHATAN RD, PALMYRA, VA 22963-3051

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 10, 2023
Property Address	4 POWHATAN RD, PALMYRA, VA 22963-3051
Document Number	0230001262
Map Reference	DB 907 PG 208
Instrument Date	Apr 21, 2023
Instrument	230001262
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Tax	$178.50
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	484 VIKING DR STE 203, 203, VIRGINIA BEACH, VA 23452-7321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2228 W GREAT NECK RD STE 204, 204, VIRGINIA BEACH, VA 23451-1674

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		$217,400 (-) Land $30,000 Building $187,400	$217,400 (-) Land $30,000 Building $187,400
2025	$1,641.00 (+0.67%)	$217,400 (+22.07%) Land $30,000 Building $187,400	$217,400 (+22.07%) Land $30,000 Building $187,400
2024	$1,630.00 (+8.45%)
2023		$178,100 Land $30,000 Building $148,100	$178,100 Land $30,000 Building $148,100
2022	$1,503.00

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	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.

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	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 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Powhatan Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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