40 Forest Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 40 Forest Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,768 sqft · built 2023
Lot Size	0.963 acres (41,948 sqft)
Owner	Individual Name on Record
Last Sale	$320,760 (Jun 2023)
Tax Bill	$2,354 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 230`

Property Details

APN / Parcel Number

Primary APN	`18A 3 230`
Alternative APN	`11094`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
Gross Area	2,854 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	41,948 sqft (0.963 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11094
Street Address	40 FOREST DR
City	PALMYRA
State	VA
Zip	22963-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240001273 MONTPELIER-3 LOT 230 41,945 SF
Legal Subdivision	PHASE III MONTPELIER LAKE
Legal Block	23
Legal Lot Number	230
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

Source: Fluvanna County records, as of August 14, 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	40 FOREST DR, PALMYRA, VA 22963-2121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
May 24, 2024	Intrafamily Transfer, Transfer
Jun 21, 2023	Deed, Subdivision Related Transfer · FHA Mortgage TOWNE FIRST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	20231677
Last Transfer Date	Apr 18, 2024
Transfer Doc	0000001273
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Aug 4, 2026
Property Address	40 FOREST DR, PALMYRA, VA 22963-2121
Document Number	0000002364
Instrument Date	Jul 30, 2026
Instrument	20262364
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 FOREST DR, PALMYRA, VA 22963-2121

Mortgage

Document Number	0000002364,
Date	Aug 4, 2026
Instrument	20262364

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	May 24, 2024
Property Address	40 FOREST DR, PALMYRA, VA 22963-2121
Document Number	0240001273
Map Reference	DB 81 PG 553
Instrument Date	Apr 18, 2024
Instrument	240001273
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 FOREST DR, PALMYRA, VA 22963-2121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 FOREST DR, PALMYRA, VA 22963-2121

June 2023: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 21, 2023
Property Address	40 FOREST DR, PALMYRA, VA 22963-2121
Document Number	0230001677
Map Reference	DB 81 PG 553
Instrument Date	May 5, 2023
Instrument	230001677
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$321.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 FOREST DR, PALMYRA, VA 22963-2121

Mortgage

Document Number	0230001679
Date	Jun 21, 2023
Instrument	230001679

Lender

Name	TOWNE FIRST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

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		$311,860 (-) Land $35,000 Building $276,860	$311,860 (-) Land $35,000 Building $276,860
2025	$2,354.00 (+0.68%)	$311,860 (+791.03%) Land $35,000 Building $276,860	$311,860 (+791.03%) Land $35,000 Building $276,860
2024	$2,338.00 (+692.54%)
2023		$35,000 Land $35,000	$35,000 Land $35,000
2022	$295.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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 256 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

Cell Coverage

5G and 4G LTE (outdoors only)

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