44 Edgewater Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 44 Edgewater Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,386 sqft · built 1994
Lot Size	0.294 acres (12,807 sqft)
Owner	2 Individuals on Record
Last Sale	$265,000 (Oct 2020)
Tax Bill	$2,662 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 1 53`

Property Details

APN / Parcel Number

Primary APN	`18A 1 53`
Alternative APN	`7951`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,386 sqft Living Area
Gross Area	3,381 sqft
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Finished Basement	1,288 sqft
Bonus Room	Bonus Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Architectural Style	Split Foyer
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,807 sqft (0.294 acres)
Terrain	Rolling
View / Lot	Corner
Garage Type	Built-in
Garage Area	192 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	35 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7951
Street Address	44 EDGEWATER DR
City	PALMYRA
State	VA
Zip	22963-3362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200004290 ASHLAWN-1 LOT 53 12,806 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	5
Legal Lot Number	53
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1025
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 Individuals on Record
Mailing Address	44 EDGEWATER DR, PALMYRA, VA 22963-3362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Oct 29, 2014 · Amount on Record
Deed Document Number	20204290
Record Updated	Sep 20, 2026

October 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 23, 2020
Property Address	44 EDGEWATER DR, PALMYRA, VA 22963-3362
Document Number	0200004290
Map Reference	DB 74 PG 494
Instrument Date	Sep 18, 2020
Instrument	200004290
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 EDGEWATER DR, PALMYRA, VA 22963-3362

Mortgage

Document Number	0200004291
Date	Oct 23, 2020
Instrument	200004291

Lender

Name	PRESIDENTIAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$352,700 (-) Land $35,000 Building $317,700	$352,700 (-) Land $35,000 Building $317,700
2025	$2,662.00 (+16.55%)	$352,700 (+30.29%) Land $35,000 Building $317,700	$352,700 (+30.29%) Land $35,000 Building $317,700
2023		$270,700 Land $35,000 Building $235,700	$270,700 Land $35,000 Building $235,700
2022	$2,284.00

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 93% of the US · lower than 95% 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 125 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 and 4G LTE (outdoors only)

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