Fluvanna County property record for 4 Tray Cir, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,352 sqft · built 1987 |
| Lot Size | 0.526 acres (22,913 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $178,000 (May 2017) |
| Tax Bill | $1,978 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage May 2017 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 5 83 |
| Primary APN | 18A 5 83 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,352 sqft Living Area |
| Gross Area | 3,584 sqft |
| 1st Floor Area | 1,352 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,913 sqft (0.526 acres) |
| Terrain | Rolling |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 400 sqft |
| Deck Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5575 |
|---|---|
| Street Address | 4 TRAY CIR |
| City | PALMYRA |
| State | VA |
| Zip | 22963-3045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | DB 986-311 TUFTON-5 LOT 83 22,902 SF |
| Legal Subdivision | LAKE MONTICELLO |
| Legal Block | 8 |
| Legal Lot Number | 83 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20104 |
4 Tray Cir is owned and occupied by two individuals who bought it in May 2017.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 TRAY CIR, PALMYRA, VA 22963-3045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE LLC |
| May 10, 2017 | Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| May 10, 2017 | Deed, Transfer · Conventional Mortgage JG WENTWORTH HOME LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2017 · Amount on File |
| Deed Sale | May 10, 2017 · Amount on File |
| Deed Document Number | 20171479 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 4 TRAY CIR, PALMYRA, VA 22963-3045 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 210001533 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 210001533 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 10, 2017 |
| Property Address | 4 TRAY CIR, PALMYRA, VA 22963-3045 |
| Document Number | 1701479 |
| Map Reference | PB 79 PG 90 |
| Instrument Date | May 8, 2017 |
| Instrument | 1701479 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 TRAY CIR, PALMYRA, VA 22963-3045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 10, 2017 |
| Property Address | 4 TRAY CIR, PALMYRA, VA 22963-3045 |
| Document Number | 1701479 |
| Map Reference | PB 79 PG 90 |
| Instrument Date | May 8, 2017 |
| Instrument | 1701479 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 TRAY CIR, PALMYRA, VA 22963-3045 |
| Document Number | 1701480 |
|---|---|
| Date | May 10, 2017 |
| Instrument | 1701480 |
| Name | JG WENTWORTH HOME LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 4 Tray Cir was $1,978.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $262,000 (-) Land $30,000 Building $232,000 | $262,000 (-) Land $30,000 Building $232,000 | |
| 2025 | $1,978.00 | $262,000 Land $30,000 Building $232,000 | $262,000 Land $30,000 Building $232,000 |
| 2023 | $217,100 Land $30,000 Building $187,100 | $217,100 Land $30,000 Building $187,100 | |
| 2022 | $1,832.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Tray Cir in Zone X, an area of minimal flood risk.
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 risk around 4 Tray Cir is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 248 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 |
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