52 Edgewater Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 52 Edgewater Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,777 sqft · built 1984
Lot Size	0.303 acres (13,199 sqft)
Owner	2 Company Names on Record
Last Sale	$389,000 (Apr 2007)
Tax Bill	$4,127 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 1 49`

Property Details

APN / Parcel Number

Primary APN	`18A 1 49`
Alternative APN	`10785`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,777 sqft Living Area
Gross Area	4,449 sqft
1st Floor Area	1,345 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,199 sqft (0.303 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	20 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10785
Street Address	52 EDGEWATER DR
City	PALMYRA
State	VA
Zip	22963-3362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 951-648 ASHLAWN-1 LOT 49 13,214 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	4
Legal Lot Number	49
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1025
Census Tract	20104

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 Company Names on Record
Mailing Address	52 EDGEWATER DR, PALMYRA, VA 22963-3362
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO
Mar 17, 2020	Deed of Trust, Mortgage · Commercial Mortgage MCLEAN MORTGAGE CORP
Dec 22, 2020	Deed of Trust, Mortgage · Commercial Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2007 · Amount on Record
Deed Sale	Apr 30, 2007 · Amount on Record
Deed Document Number	20072292
Deed Book / Page	726 / 514
Last Transfer Date	Oct 27, 2010
Transfer Doc	000829/452
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	52 EDGEWATER DR, PALMYRA, VA 22963-3362
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001700829
Date	Mar 17, 2017
Instrument	1700829

Lender

Name	BRANCH BANKING & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2037

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	52 EDGEWATER DR, PALMYRA, VA 22963-3362
Transaction Type	Mortgage
Record Updated	Jul 13, 2023
Title Company	PREMIER TITLE/KS INC, PREMIER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000927
Date	Mar 17, 2020
Instrument	200000927

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2040

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	52 EDGEWATER DR, PALMYRA, VA 22963-3362
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200005361
Date	Dec 22, 2020
Instrument	200005361

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

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		$546,720 (-) Land $190,000 Building $356,720	$546,720 (-) Land $190,000 Building $356,720
2025	$4,127.00 (+0.66%)	$546,720 (+14.86%) Land $190,000 Building $356,720	$546,720 (+14.86%) Land $190,000 Building $356,720
2024	$4,100.00 (+2.07%)
2023		$476,000 Land $190,000 Building $286,000	$476,000 Land $190,000 Building $286,000
2022	$4,017.00

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 93% of the US · lower than 95% 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 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 and 4G LTE (outdoors only)

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