Fluvanna County property record for 46 Chippewa Ln, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,568 sqft · built 2003 |
| Lot Size | 0.534 acres (23,261 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,297 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage May 2021 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 10 329 |
| Primary APN | 18A 10 329 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,568 sqft Living Area |
| Gross Area | 3,004 sqft |
| 1st Floor Area | 1,568 sqft |
| Basement Area | 784 sqft |
| Unfinished Basement | 784 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,261 sqft (0.534 acres) |
| Terrain | Steep |
| Porch | Porch |
| Porch Area | 168 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 10051 |
|---|---|
| Street Address | 46 CHIPPEWA LN |
| City | PALMYRA |
| State | VA |
| Zip | 22963-3104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 240000075 CHEROKEE-10 LOT 329 23,276 SF |
| Legal Subdivision | LAKE MONTICELLO |
| Legal Block | 32 |
| Legal Lot Number | 329 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20104 |
Source: Fluvanna County records · APN 18A 10 329
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 | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| May 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Mar 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 22, 2026 | Deed of Trust, Mortgage · FHA Mortgage ENVOY MORTGAGE, LTD. |
| Mar 31, 2026 | Intrafamily Transfer, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Jan 11, 2024 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 20, 2017 | Deed, Transfer OLD REPUBLIC TITLE |
| Apr 20, 2017 | Deed, Transfer · FHA Mortgage AMERICAN EQUITY MORTGAGE INC |
| Sep 30, 2005 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 31, 2026 |
| Deed Sale | Mar 31, 2026 |
| Prior Sale | Jan 11, 2024 · Amount on Record |
| Deed Document Number | 2026918 |
| Prior Transfer Date | Mar 17, 2026 |
| Prior Transfer Doc | 0000000918 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001801098 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 1801098 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0210002230 |
|---|---|
| Date | May 03, 2021 |
| Instrument | 210002230 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0230000607 |
|---|---|
| Date | Mar 10, 2023 |
| Instrument | 230000607 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 22, 2026 |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 0000001147 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 20261147 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001147, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 20261147 |
| Name | ENVOY MORTGAGE, LTD. |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate | 5.63% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Mar 31, 2026 |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 0260000918 |
| Map Reference | MB 103 PG 334-336 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 260000918 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Title Company | KVS TITLE LLC, VSTITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 0260000919 |
|---|---|
| Date | Mar 31, 2026 |
| Instrument | 260000919 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jan 11, 2024 |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 0240000075 |
| Map Reference | DB 103 PG 334 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 240000075 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 0240000076 |
|---|---|
| Date | Jan 11, 2024 |
| Instrument | 240000076 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 20, 2017 |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 1701263 |
| Map Reference | PB 103 PG 334 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 1701263 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 20, 2017 |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 1701263 |
| Map Reference | PB 103 PG 334 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 1701263 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 1701264 |
|---|---|
| Date | Apr 20, 2017 |
| Instrument | 1701264 |
| Name | AMERICAN EQUITY MORTGAGE INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Sep 30, 2005 |
| Property Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 000654/687 |
| Book / Page | 654 / 687 |
| Map Reference | DD103 PG334-338 |
| Instrument Date | Sep 19, 2005 |
| Instrument | 6802 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2024 |
| Tax | $200.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 46 CHIPPEWA LN, PALMYRA, VA 22963-3104 |
| Document Number | 000654/689 |
|---|---|
| Date | Sep 30, 2005 |
| Book Page | 654/689 |
| Instrument | 6803 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65202 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2035 |
| Rate | 6.25% |
|---|
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 | $304,300 (-) Land $28,500 Building $275,800 | $304,300 (-) Land $28,500 Building $275,800 | |
| 2025 | $2,297.00 (+0.66%) | $304,300 (+30.21%) Land $28,500 Building $275,800 | $304,300 (+30.21%) Land $28,500 Building $275,800 |
| 2024 | $2,282.00 (+15.72%) | ||
| 2023 | $233,700 Land $28,500 Building $205,200 | $233,700 Land $28,500 Building $205,200 | |
| 2022 | $1,972.00 |
Source: FEMA National Flood Hazard Layer as of March 25, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Central Virginia Electric Cooperative Fiber | 1,000 / 1,000 |
Based on FCC filings for 108 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE MONTICELLO private · serves 12,943 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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