46 Brougham Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 46 Brougham Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 2021
Lot Size	0.467 acres (20,343 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Oct 2023)
Tax Bill	$2,115 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 12 24`

Property Details

APN / Parcel Number

Primary APN	`18A 12 24`
Alternative APN	`8724`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	1,440 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,343 sqft (0.467 acres)
Terrain	Rolling
Porch	Slab
Deck Area	144 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8724
Street Address	46 BROUGHAM RD
City	PALMYRA
State	VA
Zip	22963-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230002873 EDGEWOOD-12 LOT 24 20,347 SF
Legal Subdivision	LAKE MONTICELLO SUBDIVISION
Legal Block	2
Legal Lot Number	24
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3001
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	Individual Name on Record
Mailing Address	46 BROUGHAM RD, PALMYRA, VA 22963-2713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Deed of Trust, Mortgage · VA Mortgage ATLANTA BAY MORTGAGE GROUP
Jun 21, 2021	Deed, Subdivision Related Transfer · FHA Mortgage TOWNE FIRST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Deed Document Number	20232873
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	46 BROUGHAM RD, PALMYRA, VA 22963-2713
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002874
Date	Oct 17, 2023
Instrument	230002874

Lender

Name	ATLANTA BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

June 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 21, 2021
Property Address	46 BROUGHAM RD, PALMYRA, VA 22963-2713
Document Number	0210003022
Map Reference	DB 104 PG 113
Instrument Date	May 21, 2021
Instrument	210003022
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$218.50
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 with Right of Survivorship
Address	46 BROUGHAM RD, PALMYRA, VA 22963-2713

Mortgage

Document Number	0210003023
Date	Jun 21, 2021
Instrument	210003023

Lender

Name	TOWNE FIRST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 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		$280,200 (+26.67%) Land $30,000 Building $250,200	$280,200 (+26.67%) Land $30,000 Building $250,200
2025	$2,115.00 (+13.34%)
2023		$221,200 Land $30,000 Building $191,200	$221,200 Land $30,000 Building $191,200
2022	$1,866.00

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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