56 Wildwood Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 56 Wildwood Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,864 sqft · built 1998
Lot Size	0.611 acres (26,615 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (Jan 2026)
Tax Bill	$5,879 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 464`

Property Details

APN / Parcel Number

Primary APN	`18A 3 464`
Alternative APN	`10782`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,864 sqft Living Area
Gross Area	5,460 sqft
1st Floor Area	1,864 sqft
Basement Area	1,864 sqft
Finished Basement	1,864 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,615 sqft (0.611 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	316 sqft
Deck Area	252 sqft
Patio Area	192 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10782
Street Address	56 WILDWOOD DR
City	PALMYRA
State	VA
Zip	22963-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 951-504 MONTPELIER-3 LOT 464 26,612 SF
Legal Subdivision	MONTPELIER LAKE MONTICELLO
Legal Block	46
Legal Lot Number	464
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

56 Wildwood Dr is owned and occupied by two individuals who bought it in January 2026.

Source: Fluvanna County records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	56 WILDWOOD DR, PALMYRA, VA 22963-2226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Jan 6, 2026	Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Oct 16, 2020	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2026 · Amount on File
Deed Sale	Jan 6, 2026 · Amount on File
Prior Sale	Oct 16, 2020 · Amount on File
Deed Document Number	202639
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	56 WILDWOOD DR, PALMYRA, VA 22963-2226
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001903742
Date	Dec 6, 2019
Instrument	1903742

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Interest

Rate Type	Fixed Rate

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 6, 2026
Property Address	56 WILDWOOD DR, PALMYRA, VA 22963-2226
Document Number	0260000039
Map Reference	MB 951 PG 507
Instrument Date	Dec 5, 2025
Instrument	260000039
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	56 WILDWOOD DR, PALMYRA, VA 22963-2226
Investor	Possibly a Property Investor

Mortgage

Document Number	0260000040
Date	Jan 6, 2026
Instrument	260000040

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 16, 2020
Property Address	56 WILDWOOD DR, PALMYRA, VA 22963-2226
Document Number	200004145
Map Reference	PB 3 PG 228
Instrument Date	Oct 12, 2020
Instrument	200004145
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$315.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 WILDWOOD DR, PALMYRA, VA 22963-2226

Tax Assessment & Valuation

The 2025 property tax bill for 56 Wildwood Dr was $5,879, up 0.7% from the year before.

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		$778,700 (-) Land $170,000 Building $608,700	$778,700 (-) Land $170,000 Building $608,700
2025	$5,879.00 (+0.67%)	$778,700 Land $170,000 Building $608,700	$778,700 Land $170,000 Building $608,700
2024	$5,840.00
2023		$605,300 Land $170,000 Building $435,300	$605,300 Land $170,000 Building $435,300
2022	$5,108.00

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

Flood

FEMA maps place 56 Wildwood Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 56 Wildwood Dr is low, with a 0.01% annual chance of 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 256 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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