40 Hatchechubee Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 40 Hatchechubee Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,186 sqft · built 1988
Lot Size	0.412 acres (17,947 sqft)
Owner	2 Individual Names on File
Last Sale	$322,000 (May 2025)
Tax Bill	$1,931 (2025)
Deeds & Mortgages	May 2024 Mortgage May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 10 319`

Property Details

APN / Parcel Number

Primary APN	`18A 10 319`
Alternative APN	`6080`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,186 sqft Living Area
Gross Area	3,038 sqft
1st Floor Area	1,186 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1997
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,947 sqft (0.412 acres)
Terrain	Rolling
Deck Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6080
Street Address	40 HATCHECHUBEE RD
City	PALMYRA
State	VA
Zip	22963-3136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180001589 CHEROKEE-10 LOT 319 17,947 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	31
Legal Lot Number	319
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1001
Census Tract	20104

Owner

Source: Fluvanna County assessment roll, 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	2 Individual Names on File
Mailing Address	40 HATCHECHUBEE RD, PALMYRA, VA 22963-3136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES
May 20, 2025	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE
May 25, 2018	Deed, Transfer · FHA Mortgage C & F MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 20, 2025 · Amount on Record
Deed Sale	May 20, 2025 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	20251460
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	40 HATCHECHUBEE RD, PALMYRA, VA 22963-3136
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240001071
Date	May 2, 2024
Instrument	240001071

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

May 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 20, 2025
Property Address	40 HATCHECHUBEE RD, PALMYRA, VA 22963-3136
Document Number	0250001460
Map Reference	DB 103 PG 335
Instrument Date	May 16, 2025
Instrument	250001460
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIDELITY NATIONAL LENDER SOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$322.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 HATCHECHUBEE RD, PALMYRA, VA 22963-3136

Mortgage

Document Number	0250001462
Date	May 20, 2025
Instrument	250001462

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 25, 2018
Property Address	40 HATCHECHUBEE RD, PALMYRA, VA 22963-3136
Document Number	0001801589
Map Reference	PB 103 PG 335
Instrument Date	May 4, 2018
Instrument	1801589
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	INVEST TITLE, INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	40 HATCHECHUBEE RD, PALMYRA, VA 22963-3136

Mortgage

Document Number	0001801590
Date	May 25, 2018
Instrument	1801590

Lender

Name	C & F MORTGAGE CORP

Agreement

Type	FHA 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		$255,800 (-) Land $30,000 Building $225,800	$255,800 (-) Land $30,000 Building $225,800
2025	$1,931.00 (+0.68%)	$255,800 (+55.5%) Land $30,000 Building $225,800	$255,800 (+55.5%) Land $30,000 Building $225,800
2024	$1,918.00 (+38.18%)
2023		$164,500 Land $30,000 Building $134,500	$164,500 Land $30,000 Building $134,500
2022	$1,388.00

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	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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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