6 Oak Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 6 Oak Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,817 sqft · built 1994
Lot Size	0.415 acres (18,077 sqft)
Owner	Individual Name on Record
Last Sale	$277,968 (Feb 2021)
Tax Bill	$2,517 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jul 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`18A 4 280`

Property Details

APN / Parcel Number

Primary APN	`18A 4 280`
Alternative APN	`607`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,817 sqft Living Area
Gross Area	4,286 sqft
1st Floor Area	1,360 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,077 sqft (0.415 acres)
Terrain	Rolling
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	378 sqft
Deck Area	256 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	607
Street Address	6 OAK TER
City	PALMYRA
State	VA
Zip	22963-2524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210000957 FAIRWAY-4 LOT 280 18,068 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	28
Legal Lot Number	280
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2002
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	Individual Name on Record
Mailing Address	16 LEDGEWOOD CIR, EAST SETAUKET, NY 11733-1151
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed, Transfer · Conventional Mortgage BANK OF THE JAMES
Jul 9, 2019	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Jul 9, 2019 · Amount on Record
Deed Document Number	2021957
Record Updated	Sep 20, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 26, 2021
Property Address	6 OAK TER, PALMYRA, VA 22963-2524
Document Number	0210000957
Map Reference	DB 96 PG 170
Instrument Date	Feb 23, 2021
Instrument	210000957
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$278.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 LEDGEWOOD CIR, EAST SETAUKET, NY 11733-1151

Mortgage

Document Number	0210000959
Date	Feb 26, 2021
Instrument	210000959

Lender

Name	BANK OF THE JAMES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 9, 2019
Property Address	6 OAK TER, PALMYRA, VA 22963-2524
Document Number	0001901996
Map Reference	PB 96 PG 460
Instrument Date	Jul 2, 2019
Instrument	1901996
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 OAK TER, PALMYRA, VA 22963-2524

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		$333,500 (-) Land $30,000 Building $303,500	$333,500 (-) Land $30,000 Building $303,500
2025	$2,517.00 (+11.32%)	$333,500 (+24.49%) Land $30,000 Building $303,500	$333,500 (+24.49%) Land $30,000 Building $303,500
2023		$267,900 Land $30,000 Building $237,900	$267,900 Land $30,000 Building $237,900
2022	$2,261.00

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	1 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 173 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oak Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures