45 Chippewa Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 45 Chippewa Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,094 sqft · built 2004
Lot Size	0.612 acres (26,659 sqft)
Owner	Individual Name on Record
Last Sale	$393,000 (Oct 2022)
Tax Bill	$3,640 (2025)
Deeds & Mortgages	Mar 2005 Mortgage May 2007 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18A 10 64`

Property Details

APN / Parcel Number

Primary APN	`18A 10 64`
Alternative APN	`8803`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,094 sqft Living Area
Gross Area	5,624 sqft
1st Floor Area	2,696 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,659 sqft (0.612 acres)
Terrain	Rolling
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	246 sqft
Deck Area	144 sqft
Balcony Area	24 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8803
Street Address	45 CHIPPEWA LN
City	PALMYRA
State	VA
Zip	22963-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220003632 CHEROKEE-10 LOT 64 26,671 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	6
Legal Lot Number	64
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1012
Census Tract	20104

Owner

Source: Fluvanna County records, as of July 13, 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	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2005	Deed of Trust, Mortgage UNION BANK & TRUST CO
May 7, 2007	Deed of Trust, Mortgage UNION BANK & TRUST CO
Dec 21, 2010	Deed of Trust, Mortgage · ARM GATEWAY BANK MORTGAGE INC
Jul 22, 2005	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CAPITAL INVESTORS INC
Oct 11, 2022	Deed, Transfer · Conventional Mortgage ROSS MORTGAGE CORP
Apr 24, 2020	Deed, Transfer · Conventional Mortgage C & F MORTGAGE CORP
Jan 27, 2005	Deed, Subdivision Related Transfer · ARM MORTGAGE CAPITAL INVESTORS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Apr 24, 2020 · Amount on Record
Deed Document Number	20223632
Prior Transfer Date	May 3, 2013
Prior Transfer Doc	000896/051
Record Updated	Oct 29, 2026

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000623/272
Date	Mar 16, 2005
Book Page	623/272
Instrument	1692

Lender

Name	UNION BANK & TRUST CO
Type	Bank
Address	CHARLOTTESVILLE, VA 22911

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 10, 2025

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000727/630
Date	May 7, 2007
Book Page	727/630
Instrument	2488

Lender

Name	UNION BANK & TRUST CO
Type	Bank
Address	CHARLOTTESVILLE, VA 22911

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Apr 20, 2017

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000833/607
Date	Dec 21, 2010
Book Page	833/607
Instrument	4464

Lender

Name	GATEWAY BANK MORTGAGE INC
Type	Mortgage Company
Address	RALEIGH, NC 27607

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000643/340
Date	Jul 22, 2005
Book Page	643/340
Instrument	4958

Lender

Name	MORTGAGE CAPITAL INVESTORS INC
Address	ANNANDALE, VA 22003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2035

Interest

Rate	5.12%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 11, 2022
Property Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Document Number	0220003632
Map Reference	DB 103 PG 334
Instrument Date	Sep 21, 2022
Instrument	220003632
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107

Mortgage

Document Number	0220003633
Date	Oct 11, 2022
Instrument	220003633

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2037

Interest

Rate Type	Fixed Rate

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 24, 2020
Property Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Document Number	0200001410
Map Reference	DB 103 PG 334
Instrument Date	Mar 26, 2020
Instrument	200001410
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107

Mortgage

Document Number	0200001411
Date	Apr 24, 2020
Instrument	200001411

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

January 2005: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 27, 2005
Property Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Document Number	000616/593
Book / Page	616 / 593
Map Reference	DD103 PG336
Instrument Date	Jan 24, 2005
Instrument	0549
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 CHIPPEWA LN, PALMYRA, VA 22963-3107
Investor	Possibly a Property Investor

Mortgage

Document Number	000616/595
Date	Jan 27, 2005
Book Page	616/595
Instrument	0550

Lender

Name	MORTGAGE CAPITAL INVESTORS INC
Address	6571 EDSALL RD, SPRINGFIELD, VA 22151

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Feb 1, 2008
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	10.8%

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		$482,200 (-) Land $30,000 Building $452,200	$482,200 (-) Land $30,000 Building $452,200
2025	$3,640.00 (+12.31%)	$482,200 (+25.54%) Land $30,000 Building $452,200	$482,200 (+25.54%) Land $30,000 Building $452,200
2023		$384,100 Land $30,000 Building $354,100	$384,100 Land $30,000 Building $354,100
2022	$3,241.00

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

Nearby Properties on Chippewa Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures