565 Venable Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 565 Venable Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1970
Lot Size	2.41 acres (105,285 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Dec 2025)
Tax Bill	$1,031 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32 7 2`

Property Details

APN / Parcel Number

Primary APN	`32 7 2`
Alternative APN	`4882`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,116 sqft
1st Floor Area	960 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1985
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	105,285 sqft (2.41 acres)
Terrain	Rolling
Pool Type	Above-Ground Pool
Deck Area	36 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	4882
Street Address	565 VENABLE RD
City	PALMYRA
State	VA
Zip	22963-4575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 220003643 AC 2.417
Legal Subdivision	WILMINGTON HEIGHTS SUBDIVISION
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1041
Census Tract	20200

Owner

Source: Fluvanna County records · APN 32 7 2

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 Record	2 Individual Names on File
Mailing Address	565 VENABLE RD, PALMYRA, VA 22963-4575
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2019	Deed of Trust, Mortgage · Commercial Mortgage VIRGINIA COMMUNITY BANK
Dec 22, 2025	Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage MEMBER OPTIONS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Prior Sale	Jun 21, 2021 · Amount on Record
Deed Document Number	20253930
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	565 VENABLE RD, PALMYRA, VA 22963-4575
Transaction Type	Mortgage
Record Updated	Jan 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001900780
Date	Mar 21, 2019
Instrument	1900780

Lender

Name	VIRGINIA COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 22, 2025
Property Address	565 VENABLE RD, PALMYRA, VA 22963-4575
Document Number	0250003930
Instrument Date	Dec 16, 2025
Instrument	250003930
Transaction Type	Transfer
Record Updated	Jan 08, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCORE LAND TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
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 in Common
Address	565 VENABLE RD, PALMYRA, VA 22963-4575

Mortgage

Document Number	0250003931
Date	Dec 22, 2025
Instrument	250003931

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	565 VENABLE RD, PALMYRA, VA 22963-4575
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220003644
Date	Oct 11, 2022
Instrument	220003644

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$136,600 (-) Land $36,900 Building $99,700	$136,600 (-) Land $36,900 Building $99,700
2025	$1,031.00 (+0.68%)	$136,600 (+37.56%) Land $36,900 Building $99,700	$136,600 (+37.56%) Land $36,900 Building $99,700
2024	$1,024.00 (+22.2%)
2023		$99,300 Land $36,900 Building $62,400	$99,300 Land $36,900 Building $62,400
2022	$838.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

Based on FCC filings for 5 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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