5 Whinchat Ln, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,228 sqft · built 1970
Lot Size	0.496 acres (21,606 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Dec 2025)
Tax Bill	$2,594 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 509`

Property Details

APN / Parcel Number

Primary APN	`18A 3 509`
Alternative APN	`11079`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
Gross Area	3,616 sqft
1st Floor Area	1,228 sqft
Basement Area	1,228 sqft
Finished Basement	1,228 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,606 sqft (0.496 acres)
Terrain	Rolling
View / Lot	Corner

Exterior Amenities

Porch	Porch
Porch Area	104 sqft
Deck Area	816 sqft
Patio Area	240 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	11079
Street Address	5 WHINCHAT LN
City	PALMYRA
State	VA
Zip	22963-2243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 250001094 MONTPELIER-3 LOT 509 21,604 SF
Legal Subdivision	MONTPELIER
Legal Block	50
Legal Lot Number	509
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1008
Census Tract	20103

Owner

Source: Fluvanna County records, 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	2 Individual Names on Record
Mailing Address	5 WHINCHAT LN, PALMYRA, VA 22963-2243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage UVA COMMUNITY CU
Dec 9, 2025	Deed, Transfer · FHA Mortgage NEWREZ LLC
Apr 16, 2025	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	Jun 4, 2025 · Amount on Record
Deed Document Number	20253716
Prior Transfer Date	Oct 24, 2024
Prior Transfer Doc	0000000612
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	5 WHINCHAT LN, PALMYRA, VA 22963-2243
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001702607
Date	Aug 15, 2017
Instrument	1702607

Lender

Name	UVA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 14, 2042

Interest

Rate Type	Fixed Rate

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 9, 2025
Property Address	5 WHINCHAT LN, PALMYRA, VA 22963-2243
Document Number	0250003716
Map Reference	MB 86 PG 393
Instrument Date	Nov 20, 2025
Instrument	250003716
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$344.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 WHINCHAT LN, PALMYRA, VA 22963-2243

Mortgage

Document Number	0250003717
Date	Dec 9, 2025
Instrument	250003717

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2025: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 16, 2025
Property Address	5 WHINCHAT LN, PALMYRA, VA 22963-2243
Document Number	0250001094
Map Reference	DB 86 PG 387
Instrument Date	Mar 12, 2025
Instrument	250001094
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 WHINCHAT LN, PALMYRA, VA 22963-2243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 WHINCHAT LN, PALMYRA, VA 22963-2243

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		$343,600 (-) Land $30,000 Building $313,600	$343,600 (-) Land $30,000 Building $313,600
2025	$2,594.00 (+0.66%)	$343,600 (+54.64%) Land $30,000 Building $313,600	$343,600 (+54.64%) Land $30,000 Building $313,600
2024	$2,577.00 (+37.44%)
2023		$222,200 Land $30,000 Building $192,200	$222,200 Land $30,000 Building $192,200
2022	$1,875.00

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 125 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 (outdoors only) and 4G LTE

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