4 Watts Cir, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,288 sqft · built 1996
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$212,500 (Oct 2017)
Tax Bill	$2,719 (2025)
Deeds & Mortgages	May 2007 Mortgage May 2007 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 218`

Property Details

APN / Parcel Number

Primary APN	`18A 6 218`
Alternative APN	`5891`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	2,888 sqft
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Finished Basement	1,288 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5891
Street Address	4 WATTS CIR
City	PALMYRA
State	VA
Zip	22963-2051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210006060 RIVERSIDE-6 LOT 218 20,035 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	21
Legal Lot Number	218
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 WATTS CIR, PALMYRA, VA 22963-2051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2007	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING AND TRUST CO
May 14, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BRANCH BANKING AND TRUST CO
Aug 7, 2007	Deed of Trust, Mortgage · Line of Credit USAA FSB
Nov 13, 2007	Deed of Trust, Mortgage · Line of Credit USAA FSB
Dec 13, 2021	Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Oct 5, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2017 · Amount on Record
Deed Sale	Oct 5, 2017 · Amount on Record
Prior Sale	Feb 23, 2012 · Amount on Record
Deed Document Number	20173250
Last Transfer Date	Oct 7, 2020
Transfer Doc	0000004126
Record Updated	Oct 29, 2026

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 WATTS CIR, PALMYRA, VA 22963-2051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000728/282
Date	May 4, 2007
Book Page	728/282
Instrument	2621

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

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

Interest

Rate	6.5%

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 WATTS CIR, PALMYRA, VA 22963-2051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000728/301
Date	May 14, 2007
Book Page	728/301
Instrument	2622

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2022

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 WATTS CIR, PALMYRA, VA 22963-2051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000738/975
Date	Aug 7, 2007
Book Page	738/975
Instrument	4418

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 2, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 WATTS CIR, PALMYRA, VA 22963-2051
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000748/628
Date	Nov 13, 2007
Book Page	748/628
Instrument	6106

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 17, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 13, 2021
Property Address	4 WATTS CIR, PALMYRA, VA 22963-2051
Document Number	0210006060
Map Reference	DB 83 PG 224
Instrument Date	Dec 1, 2021
Instrument	210006060
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
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 WATTS CIR, PALMYRA, VA 22963-2051

Mortgage

Document Number	0210006061
Date	Dec 13, 2021
Instrument	210006061

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Oct 15, 2020
Property Address	4 WATTS CIR, PALMYRA, VA 22963-2051
Document Number	0200004126
Map Reference	DB 996 PG 527
Instrument Date	Oct 7, 2020
Instrument	200004126
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WATTS CIR, PALMYRA, VA 22963-2051

Mortgage

Document Number	0200004127
Date	Oct 15, 2020
Instrument	200004127

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 5, 2017
Property Address	4 WATTS CIR, PALMYRA, VA 22963-2051
Document Number	0001703250
Map Reference	PB 83 PG 226
Instrument Date	Oct 5, 2017
Instrument	1703250
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WATTS CIR, PALMYRA, VA 22963-2051

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		$360,200 (-) Land $30,000 Building $330,200	$360,200 (-) Land $30,000 Building $330,200
2025	$2,719.00 (+36.09%)	$360,200 (+52.11%) Land $30,000 Building $330,200	$360,200 (+52.11%) Land $30,000 Building $330,200
2023		$236,800 Land $30,000 Building $206,800	$236,800 Land $30,000 Building $206,800
2022	$1,998.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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

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