5 Cobb Ct, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2003
Lot Size	0.656 acres (28,575 sqft)
Owner	Individual on Record
Tax Bill	$1,892 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2007 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 8 52`

Property Details

APN / Parcel Number

Primary APN	`18A 8 52`
Alternative APN	`1868`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	3,100 sqft
1st Floor Area	1,400 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,575 sqft (0.656 acres)
Terrain	Rolling
Porch	Slab
Porch Area	132 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1868
Street Address	5 COBB CT
City	PALMYRA
State	VA
Zip	22963-2645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 500-647 NAHOR-8 LOT 52 28,571 SF
Legal Subdivision	NAHOR
Legal Block	5
Legal Lot Number	52
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2004
Census Tract	20103

Owner

Source: Fluvanna County assessment roll, 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 on Record
Mailing Address	5 COBB CT, PALMYRA, VA 22963-2645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Mar 7, 2007	Deed of Trust, Mortgage · Conventional Mortgage GMAC MORTGAGE LLC
Nov 1, 2010	Deed of Trust, Mortgage · Conventional Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	5 COBB CT, PALMYRA, VA 22963-2645
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200001884
Date	May 29, 2020
Instrument	200001884

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	5 COBB CT, PALMYRA, VA 22963-2645
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000719/517
Date	Mar 7, 2007
Book Page	719/517
Instrument	1180

Lender

Name	GMAC MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2037

Interest

Rate	6.37%

November 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	5 COBB CT, PALMYRA, VA 22963-2645
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000829/424
Date	Nov 1, 2010
Book Page	829/424
Instrument	3724

Lender

Name	NOT AVAILABLE
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2040

Interest

Rate	4.5%

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		$250,700 (-) Land $33,000 Building $217,700	$250,700 (-) Land $33,000 Building $217,700
2025	$1,892.00 (+9.62%)	$250,700 (+22.53%) Land $33,000 Building $217,700	$250,700 (+22.53%) Land $33,000 Building $217,700
2023		$204,600 Land $33,000 Building $171,600	$204,600 Land $33,000 Building $171,600
2022	$1,726.00

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 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 214 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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