46 Nahor Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 46 Nahor Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,334 sqft · built 1986
Lot Size	0.367 acres (15,987 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Dec 2022)
Tax Bill	$1,778 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2013 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 8 355`

Property Details

APN / Parcel Number

Primary APN	`18A 8 355`
Alternative APN	`9190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,334 sqft Living Area
Gross Area	2,966 sqft
1st Floor Area	1,292 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,987 sqft (0.367 acres)
Terrain	Rolling
Deck Area	340 sqft
Balcony Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9190
Street Address	46 NAHOR DR
City	PALMYRA
State	VA
Zip	22963-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220004486 NAHOR-8 LOT 355 16,000 SF
Legal Subdivision	NAHOR
Legal Block	35
Legal Lot Number	355
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3017
Census Tract	20104

Owner

46 Nahor Dr is owned and occupied by an individual who bought it in December 2022.

Source: Fluvanna County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	46 NAHOR DR, PALMYRA, VA 22963-2716
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Apr 24, 2013	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Jul 20, 2007	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF VIRGINIA CMNTY CU
Dec 14, 2022	Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2022 · Amount on File
Deed Sale	Dec 14, 2022 · Amount on File
Prior Sale	Feb 11, 2005 · Amount on File
Deed Document Number	20224486
Prior Transfer Date	Jun 11, 2007
Prior Transfer Doc	000732/790
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	46 NAHOR DR, PALMYRA, VA 22963-2716
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200004734
Date	Nov 17, 2020
Instrument	200004734

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	46 NAHOR DR, PALMYRA, VA 22963-2716
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000893/067
Date	Apr 24, 2013
Book Page	893/067
Instrument	1301681

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2043

Interest

Rate	4.2%

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	46 NAHOR DR, PALMYRA, VA 22963-2716
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000737/280
Date	Jul 20, 2007
Book Page	737/280
Instrument	4114

Lender

Name	UNIVERSITY OF VIRGINIA CMNTY CU
Address	CHARLOTTESVILLE, VA 22903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2037

Interest

Rate	6.87%

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 14, 2022
Property Address	46 NAHOR DR, PALMYRA, VA 22963-2716
Document Number	0220004486
Map Reference	DB 89 PG 637
Instrument Date	Dec 6, 2022
Instrument	220004486
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 NAHOR DR, PALMYRA, VA 22963-2716

Mortgage

Document Number	0220004487
Date	Dec 14, 2022
Instrument	220004487

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2020
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	Other
Max Rate	10.7%

Tax Assessment & Valuation

The 2025 property tax bill for 46 Nahor Dr was $1,778, up 0.6% from the year before.

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		$235,600 (-) Land $30,000 Building $205,600	$235,600 (-) Land $30,000 Building $205,600
2025	$1,778.00 (+0.62%)	$235,600 Land $30,000 Building $205,600	$235,600 Land $30,000 Building $205,600
2024	$1,767.00
2023		$191,000 Land $30,000 Building $161,000	$191,000 Land $30,000 Building $161,000
2022	$1,612.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46 Nahor Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 46 Nahor Dr is low, with a 0.01% annual chance of 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 253 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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