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  5. Mountain Laurel Rd

531 Mountain Laurel Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 531 Mountain Laurel Rd, Palmyra, VA 22963 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,740 sqft · built 2019
Lot Size17.6 acres (770,794 sqft)
Owner2 Individual Names on File
Last Sale$65,000 (Oct 2018)
Tax Bill$2,727 (2025)
Deeds & MortgagesDec 2019 Mortgage
Oct 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN21 A 26A

Property Details

APN / Parcel Number

Primary APN21 A 26A
Alternative APN
  • 13883

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,740 sqft Living Area
Gross Area3,796 sqft
1st Floor Area1,740 sqft
FlooringSoftwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2022
Exterior MaterialVinyl
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area770,794 sqft (17.6 acres)
TerrainRolling
PorchSlab
Porch Area192 sqft
Deck Area24 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Account Number13883
Street Address531 MOUNTAIN LAUREL RD
CityPALMYRA
StateVA
Zip22963-4529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionINST 180003123 AC 17.695
Legal Block2
Legal Lot NumberA
JurisdictionFLUVANNA VA
Township / Civil DivisionCOLUMBIA
Census Block Group1
Census Block1032
Census Tract20200

Owner

Source: Fluvanna County records · APN 21 A 26A

Assessment roll updated June 25, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address531 MOUNTAIN LAUREL RD, PALMYRA, VA 22963-4529
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 13, 2019Deed of Trust, Mortgage · VA Mortgage
VBS MORTGAGE LLC
Oct 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE
Oct 11, 2018Deed, Construction Loan · Construction Mortgage
F & M MORTGAGE CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 11, 2018 · Amount on Record
Deed SaleOct 11, 2018 · Amount on Record
Deed Document Number20183123
Record UpdatedSep 20, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLUVANNA VA
Property Address531 MOUNTAIN LAUREL RD, PALMYRA, VA 22963-4529
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1903833
DateDec 13, 2019
Instrument1903833
Lender
NameVBS MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2050
Interest
Rate TypeFixed Rate

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLUVANNA VA
Property Address531 MOUNTAIN LAUREL RD, PALMYRA, VA 22963-4529
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number200004361
DateOct 28, 2020
Instrument200004361
Lender
NameFREEDOM MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2050
Interest
Rate TypeFixed Rate

October 2018: Deed, Construction Loan

Document TypeDeed
JurisdictionFLUVANNA VA
Recording DateOct 11, 2018
Property Address531 MOUNTAIN LAUREL RD, PALMYRA, VA 22963-4529
Document Number1803123
Map ReferencePB 1 PG 213
Instrument DateOct 03, 2018
Instrument1803123
Transaction TypeConstruction Loan
Record UpdatedJul 06, 2021
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1915 OLIVER CREEK RD, PALMYRA, VA 22963

Mortgage

Document Number1803124
DateOct 11, 2018
Instrument1803124
Lender
NameF & M MORTGAGE CO
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateVirginia
CountyFluvanna County
Unified School DistrictFluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$361,300 (-) Land $105,600 Building $255,700$361,300 (-) Land $105,600 Building $255,700
2025$2,727.00 (+3.65%)$361,300 (+15.88%) Land $105,600 Building $255,700$361,300 (+15.88%) Land $105,600 Building $255,700
2023$311,800 Land $105,600 Building $206,200$311,800 Land $105,600 Building $206,200
2022$2,631.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510650202001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Nearby Flood Policies1 in force
1 of 1 on primary residences
Nearby Flood Claims1 (1985)
Most Recent ClaimNov 1985, tidal / storm surge

Wildfire

Wildfire RiskLow
above 20% of the US · above 29% of Virginia
Wildfire LikelihoodAbout 1 in 5,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

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