Fluvanna County property record for 40 Panorama Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,400 sqft · built 2019 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,070 (Dec 2019) |
| Tax Bill | $2,191 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31 17 9 |
| Primary APN | 31 17 9 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 2,290 sqft |
| 1st Floor Area | 1,400 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 70 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 40 PANORAMA DR |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-4767 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | INST 190003829 AC 0.34 PANORAMA CLUSTER SUBDIVISION |
| Legal Subdivision | CLUSTER SUBDIVISION |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | COLUMBIA |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 20200 |
40 Panorama Dr is owned and occupied by two individuals who bought it in December 2019.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 PANORAMA DR, PALMYRA, VA 22963-4767 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2019 · Amount on File |
| Deed Sale | Dec 13, 2019 · Amount on File |
| Prior Sale | Feb 25, 2013 · Amount on File |
| Deed Document Number | 20193829 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Dec 13, 2019 |
| Property Address | 40 PANORAMA DR, PALMYRA, VA 22963-4767 |
| Document Number | 1903829 |
| Map Reference | PB 3 PG 8 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 1903829 |
| 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 | $363.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 PANORAMA DR, PALMYRA, VA 22963-4767 |
| Document Number | 1903830 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 1903830 |
| Name | FIRST HERITAGE MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 40 Panorama Dr was $2,191.
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 | $290,200 (-) Land $55,000 Building $235,200 | $290,200 (-) Land $55,000 Building $235,200 | |
| 2025 | $2,191.00 | $290,200 Land $55,000 Building $235,200 | $290,200 Land $55,000 Building $235,200 |
| 2023 | $212,600 Land $35,000 Building $177,600 | $212,600 Land $35,000 Building $177,600 | |
| 2022 | $1,794.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Panorama Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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 |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Nov 1985 · tidal / storm surge |
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 40 Panorama Dr is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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