4 Snead Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4 Snead Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1998
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Sep 2019)
Tax Bill	$2,135 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 4 376`

Property Details

APN / Parcel Number

Primary APN	`18A 4 376`
Alternative APN	`1717`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	3,016 sqft
1st Floor Area	1,176 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Terrain	Rolling
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	64 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1717
Street Address	4 SNEAD CT
City	PALMYRA
State	VA
Zip	22963-2566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190002889 FAIRWAY-4 LOT 376 20,920 SF
Legal Subdivision	ADDITION ONE FAIRWAY LAKE MONTICELLO
Legal Block	37
Legal Lot Number	376
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2000
Census Tract	20103

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 SNEAD CT, PALMYRA, VA 22963-2566
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE CORP
Jan 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA MTG LLC
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE
Sep 23, 2019	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2019 · Amount on Record
Deed Sale	Sep 23, 2019 · Amount on Record
Prior Sale	Sep 30, 2013 · Amount on Record
Deed Document Number	20192889
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 SNEAD CT, PALMYRA, VA 22963-2566
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240000557
Date	Mar 12, 2024
Instrument	240000557

Lender

Name	PHH MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 SNEAD CT, PALMYRA, VA 22963-2566
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000261
Date	Jan 31, 2023
Instrument	230000261

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 SNEAD CT, PALMYRA, VA 22963-2566
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001604
Date	Mar 31, 2021
Instrument	210001604

Lender

Name	FINANCE OF AMERICA MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 23, 2019
Property Address	4 SNEAD CT, PALMYRA, VA 22963-2566
Document Number	1902889
Map Reference	PB 96 PG 460
Instrument Date	Aug 14, 2019
Instrument	1902889
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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 SNEAD CT, PALMYRA, VA 22963-2566

Mortgage

Document Number	1902890
Date	Sep 23, 2019
Instrument	1902890

Lender

Name	FINANCE OF AMERICA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$282,800 (-) Land $30,000 Building $252,800	$282,800 (-) Land $30,000 Building $252,800
2025	$2,135.00 (+29.32%)	$282,800 (+44.51%) Land $30,000 Building $252,800	$282,800 (+44.51%) Land $30,000 Building $252,800
2023		$195,700 Land $30,000 Building $165,700	$195,700 Land $30,000 Building $165,700
2022	$1,651.00

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	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 173 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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