42 Hatchechubee Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 42 Hatchechubee Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,202 sqft · built 2002
Lot Size	0.371 acres (16,161 sqft)
Owner	2 Individual Names on Record
Last Sale	$321,000 (Apr 2025)
Tax Bill	$2,354 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Apr 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 10 320`

Property Details

APN / Parcel Number

Primary APN	`18A 10 320`
Alternative APN	`6324`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,202 sqft Living Area
Gross Area	2,608 sqft
1st Floor Area	1,196 sqft
Basement Area	1,196 sqft
Finished Basement	1,196 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,161 sqft (0.371 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	90 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6324
Street Address	42 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 250001004 CHEROKEE-10 LOT 320 16,163 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	32
Legal Lot Number	320
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1001
Census Tract	20104

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	2 Individual Names on Record
Mailing Address	42 HATCHECHUBEE RD, PALMYRA, VA 22963-3136
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 9, 2025	Cash Sale Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP
Mar 9, 2017	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2025 · Amount on Record
Deed Sale	Apr 9, 2025 · Amount on Record
Prior Sale	Mar 9, 2017 · Amount on Record
Deed Document Number	20251004
Prior Transfer Date	Mar 22, 2005
Prior Transfer Doc	0000002280
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	42 HATCHECHUBEE RD, PALMYRA, VA 22963-3136
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002474
Date	Jul 7, 2022
Instrument	220002474

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate

April 2025: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 9, 2025
Property Address	42 HATCHECHUBEE RD, PALMYRA, VA 22963-3136
Document Number	0250001004
Map Reference	DB 103 PG 336
Instrument Date	Apr 7, 2025
Instrument	250001004
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$321.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 HATCHECHUBEE RD, PALMYRA, VA 22963-3136

Mortgage

Document Number	0250001005
Date	Apr 9, 2025
Instrument	250001005

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 9, 2017
Property Address	42 HATCHECHUBEE RD, PALMYRA, VA 22963-3136
Document Number	0001700737
Map Reference	PB 103 PG 334
Instrument Date	Mar 6, 2017
Instrument	1700737
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	42 HATCHECHUBEE RD, PALMYRA, VA 22963-3136

Mortgage

Document Number	0001700738
Date	Mar 9, 2017
Instrument	1700738

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional 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		$311,800 (-) Land $30,000 Building $281,800	$311,800 (-) Land $30,000 Building $281,800
2025	$2,354.00 (+0.68%)	$311,800 (+28.47%) Land $30,000 Building $281,800	$311,800 (+28.47%) Land $30,000 Building $281,800
2024	$2,338.00 (+14.16%)
2023		$242,700 Land $30,000 Building $212,700	$242,700 Land $30,000 Building $212,700
2022	$2,048.00

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	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

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 108 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

5G (outdoors only) and 4G LTE

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