43 Brougham Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 43 Brougham Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 2003
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$199,797 (Oct 2021)
Tax Bill	$1,882 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 12 31`

Property Details

APN / Parcel Number

Primary APN	`18A 12 31`
Alternative APN	`961`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	1,196 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Terrain	Rolling
Porch	Slab
Porch Area	96 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	961
Street Address	43 BROUGHAM RD
City	PALMYRA
State	VA
Zip	22963-2710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210005448 EDGEWOOD-12 LOT 31 17,404 SF
Legal Subdivision	EDGEWOOD
Legal Block	3
Legal Lot Number	31
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3011
Census Tract	20104

Owner

Source: Fluvanna County records, as of June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	43 BROUGHAM RD, PALMYRA, VA 22963-2710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE
Oct 29, 2021	Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Sep 29, 2006 · Amount on Record
Deed Document Number	20215448
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	43 BROUGHAM RD, PALMYRA, VA 22963-2710
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210005450
Date	Oct 29, 2021
Instrument	210005450

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 29, 2021
Property Address	43 BROUGHAM RD, PALMYRA, VA 22963-2710
Document Number	0210005448
Map Reference	DB 104 PG 113
Instrument Date	Oct 5, 2021
Instrument	210005448
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	43 BROUGHAM RD, PALMYRA, VA 22963-2710

Mortgage

Document Number	0210005449
Date	Oct 29, 2021
Instrument	210005449

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 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		$249,400 (+46.28%) Land $30,000 Building $219,400	$249,400 (+46.28%) Land $30,000 Building $219,400
2025	$1,882.00 (+30.79%)
2023		$170,500 Land $30,000 Building $140,500	$170,500 Land $30,000 Building $140,500
2022	$1,439.00

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	7 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 264 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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