5 Chippewa Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 5 Chippewa Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,106 sqft · built 2004
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Apr 2026)
Tax Bill	$1,950 (2025)
Deeds & Mortgages	May 2013 Mortgage Mar 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 10 3`

Property Details

APN / Parcel Number

Primary APN	`18A 10 3`
Alternative APN	`1227`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,106 sqft Living Area
Gross Area	2,688 sqft
1st Floor Area	1,106 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	320 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1227
Street Address	5 CHIPPEWA LN
City	PALMYRA
State	VA
Zip	22963-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 794-69 CHEROKEE-10 LOT 3 15,000 SF
Legal Subdivision	CHEROKEE LAKE MONTICELLO
Legal Lot Number	3
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1001
Census Tract	20104

Owner

Source: Fluvanna County records, as of July 6, 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 CHIPPEWA LN, PALMYRA, VA 22963-3105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 17, 2013	Deed of Trust, Mortgage · Conventional Mortgage CAPTIAL CENTER LLC
Mar 13, 2006	Deed of Trust, Mortgage CITIBANK FSB
Apr 16, 2026	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE
Feb 25, 2026	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Deed Document Number	20261104
Prior Transfer Date	May 15, 2009
Prior Transfer Doc	794/069
Record Updated	Oct 29, 2026

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	5 CHIPPEWA LN, PALMYRA, VA 22963-3105
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000895/145
Date	May 17, 2013
Book Page	895/145
Instrument	1302051

Lender

Name	CAPTIAL CENTER LLC
Type	Mortgage Company
Address	GLEN ALLEN, VA 23060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2023

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	5 CHIPPEWA LN, PALMYRA, VA 22963-3105
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000674/633
Date	Mar 13, 2006
Book Page	674/633
Instrument	1353

Lender

Name	CITIBANK FSB
Type	Bank
Address	22090

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 2, 2021

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 16, 2026
Property Address	5 CHIPPEWA LN, PALMYRA, VA 22963-3105
Document Number	0000001104
Instrument Date	Apr 9, 2026
Instrument	20261104
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5 CHIPPEWA LN, PALMYRA, VA 22963-3105

Mortgage

Document Number	0000001105,
Date	Apr 16, 2026
Instrument	20261105

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.25%
Max Rate	-1%

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Feb 25, 2026
Property Address	5 CHIPPEWA LN, PALMYRA, VA 22963-3105
Document Number	0260000544
Instrument Date	Jan 27, 2026
Instrument	260000544
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 HARRIS RD, CHARLOTTESVILLE, VA 22902-6467

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		$258,400 (-) Land $30,000 Building $228,400	$258,400 (-) Land $30,000 Building $228,400
2025	$1,950.00 (+0.62%)	$258,400 (+44.6%) Land $30,000 Building $228,400	$258,400 (+44.6%) Land $30,000 Building $228,400
2024	$1,938.00 (+28.51%)
2023		$178,700 Land $30,000 Building $148,700	$178,700 Land $30,000 Building $148,700
2022	$1,508.00

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	3 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	0.02% 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 103 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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