409 Courthouse Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 409 Courthouse Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,590 sqft · built 2007
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Tax Bill	$3,776 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30 A 100J`

Property Details

APN / Parcel Number

Primary APN	`30 A 100J`
Alternative APN	`11723`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,590 sqft Living Area
Gross Area	4,918 sqft
1st Floor Area	2,590 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	300 sqft
Deck Area	488 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11723
Street Address	409 COURTHOUSE RD
City	PALMYRA
State	VA
Zip	22963-4409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 210001905 AC 5.0
Legal Block	10
Legal Lot Number	J
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1045
Census Tract	20200

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	409 COURTHOUSE RD, PALMYRA, VA 22963-4409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU INC
Apr 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage VIRGINIA CU INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 22, 2021
Transfer Doc	0000001905
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	409 COURTHOUSE RD, PALMYRA, VA 22963-4409
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250003454
Date	Nov 12, 2025
Instrument	250003454

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	409 COURTHOUSE RD, PALMYRA, VA 22963-4409
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001906
Date	Apr 16, 2021
Instrument	210001906

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Apr 16, 2021
Property Address	409 COURTHOUSE RD, PALMYRA, VA 22963-4409
Document Number	210001905
Map Reference	DB 212 PG 308
Instrument Date	Mar 22, 2021
Instrument	210001905
Transaction Type	Transfer
Record Updated	Jun 29, 2021

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	409 COURTHOUSE RD, PALMYRA, VA 22963-4409

Mortgage

Document Number	0210001906
Date	Apr 16, 2021
Instrument	210001906

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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		$500,200 (-) Land $58,500 Building $441,700	$500,200 (-) Land $58,500 Building $441,700
2025	$3,776.00 (+0.67%)	$500,200 (+16.38%) Land $58,500 Building $441,700	$500,200 (+16.38%) Land $58,500 Building $441,700
2024	$3,751.00 (+3.42%)
2023		$429,800 Land $58,500 Building $371,300	$429,800 Land $58,500 Building $371,300
2022	$3,627.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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