5 Campbell Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 5 Campbell Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,320 sqft · built 2002
Lot Size	0.322 acres (14,026 sqft)
Owner	2 Individual Names on Record
Last Sale	$446,000 (Jul 2026)
Tax Bill	$2,806 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 140`

Property Details

APN / Parcel Number

Primary APN	`18A 2 140`
Alternative APN	`7228`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,320 sqft Living Area
Gross Area	4,582 sqft
1st Floor Area	2,100 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,026 sqft (0.322 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	224 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7228
Street Address	5 CAMPBELL CT
City	PALMYRA
State	VA
Zip	22963-3237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190003004 SHADWELL-2 LOT 140 14,020 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	14
Legal Lot Number	140
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2019
Census Tract	20104

Owner

Source: Fluvanna County records, as of August 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5 CAMPBELL CT, PALMYRA, VA 22963-3237
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Aug 3, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 2, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Deed Document Number	20262327
Prior Transfer Date	Aug 22, 2019
Prior Transfer Doc	0000003004
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 31, 2026
Property Address	5 CAMPBELL CT, PALMYRA, VA 22963-3237
Document Number	0000002327
Instrument Date	Jul 27, 2026
Instrument	20262327
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	WESTCOR LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45,046.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CAMPBELL CT, PALMYRA, VA 22963-3237

Mortgage

Document Number	0000002328,
Date	Jul 31, 2026
Instrument	20262328

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	5 CAMPBELL CT, PALMYRA, VA 22963-3237
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002842
Date	Aug 3, 2022
Instrument	220002842

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Oct 2, 2019
Property Address	5 CAMPBELL CT, PALMYRA, VA 22963-3237
Document Number	1903004
Map Reference	PB 76 PG 565
Instrument Date	Aug 22, 2019
Instrument	1903004
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CAMPBELL CT, PALMYRA, VA 22963-3237

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		$371,700 (-) Land $30,000 Building $341,700	$371,700 (-) Land $30,000 Building $341,700
2025	$2,806.00 (+0.68%)	$371,700 (+23.61%) Land $30,000 Building $341,700	$371,700 (+23.61%) Land $30,000 Building $341,700
2024	$2,787.00 (+9.85%)
2023		$300,700 Land $30,000 Building $270,700	$300,700 Land $30,000 Building $270,700
2022	$2,537.00

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	1 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 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 193 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 and 4G LTE (outdoors only)

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