Fluvanna County property record for 45 E Point Rd, Palmyra, VA 22963 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2020 |
| Square Footage | 1,344 sqft Living Area |
| Lot Size | 19,994 sqft (0.459 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $295,000 (2023) |
| Tax Bill | $1,895.00 (2025) |
| Primary APN | 18A 6 181 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,344 sqft Living Area |
| Gross Area | 2,928 sqft Gross Area |
| 1st Floor | 1,344 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Softwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 19,994 sqft (0.459 acres) |
| Deck Area | 120 sqft Deck |
| Porch Area | 120 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Commercial Water Source |
| Account Number | 3410 |
|---|---|
| Street Address | 45 E POINT RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2048 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INST 230002598 RIVERSIDE-6 LOT 181 19,999 SF |
| Legal Subdivision | CHEROKKE LAKE MONTICELLO SUBDIVISION |
| Legal Block | 18 |
| Legal Lot Number | 181 |
| Jurisdiction | FLUVANNA VA |
| Minor Civil Division | PALMYRA |
| Census Blockgroup | 4 |
| Census Block | 4002 |
| Census Tract | 20101 |
Source: Fluvanna County records · APN 18A 6 181
Assessment roll updated June 25, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 45 E POINT RD, PALMYRA, VA 22963-2048 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Jan 08, 2020 | Special Warranty Deed, Transfer WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Jun 20, 2019 | Foreclosure |
| May 05, 2017 | Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| May 05, 2017 | Deed, Transfer · Conventional Mortgage PACIFIC UNION FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 19, 2023 · Amount on Record |
| Deed Sale | Sep 19, 2023 · Amount on Record |
| Prior Sale | Jan 08, 2020 · Amount on Record |
| Deed Doc Number | 20232598 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 45 E POINT RD, PALMYRA, VA 22963-2048 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230002599 |
|---|---|
| Date | Sep 19, 2023 |
| Instrument | 230002599 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jan 08, 2020 |
| Property Address | 45 E POINT RD, PALMYRA, VA 22963-2048 |
| Document Number | 0002000047 |
| Map Reference | PB 83 PG 224 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 2000047 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5330 LAKE SAPONI TER, BARBOURSVILLE, VA 22923-1506 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jun 20, 2019 |
| Property Address | 45 E POINT RD, PALMYRA, VA 22963-2048 |
| Document Number | 0001901774 |
| Map Reference | PB 83 PG 224 |
| Instrument Date | May 31, 2019 |
| Instrument | 1901774 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 21, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10500 KINCAID DR STE 300, 300, FISHERS, IN 46037-9764 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 05, 2017 |
| Property Address | 45 E POINT RD, PALMYRA, VA 22963-2048 |
| Document Number | 1701437 |
| Map Reference | PB 83 PG 224 |
| Instrument Date | May 03, 2017 |
| Instrument | 1701437 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 E POINT RD, PALMYRA, VA 22963-2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 05, 2017 |
| Property Address | 45 E POINT RD, PALMYRA, VA 22963-2048 |
| Document Number | 0001701437 |
| Map Reference | PB 83 PG 224 |
| Instrument Date | May 03, 2017 |
| Instrument | 1701437 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 E POINT RD, PALMYRA, VA 22963-2048 |
| Document Number | 0001701438 |
|---|---|
| Date | May 05, 2017 |
| Instrument | 1701438 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $251,000 (-) Land $30,000 Building $221,000 | $251,000 (-) Land $30,000 Building $221,000 | |
| 2025 | $1,895.00 (+10.3%) | $251,000 (+23.28%) Land $30,000 Building $221,000 | $251,000 (+23.28%) Land $30,000 Building $221,000 |
| 2023 | $203,600 Land $30,000 Building $173,600 | $203,600 Land $30,000 Building $173,600 | |
| 2022 | $1,718.00 |
Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 5,263 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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