Fluvanna County property record for 6 Westham Ct, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,158 sqft · built 1991 |
| Lot Size | 0.624 acres (27,181 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Jan 2019) |
| Tax Bill | $4,200 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jan 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 4 302 |
| Primary APN | 18A 4 302 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,158 sqft Living Area |
| Gross Area | 4,692 sqft |
| 1st Floor Area | 2,158 sqft |
| Basement Area | 2,158 sqft |
| Finished Basement | 1,446 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 27,181 sqft (0.624 acres) |
| Terrain | Rolling |
| Garage Type | Built-in |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | 232 sqft |
| Putting Green | Putting Green |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 988 |
|---|---|
| Street Address | 6 WESTHAM CT |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 190000095 FAIRWAY-4 LOT 302 27,175 SF |
| Legal Subdivision | LAKE MONTICELLO |
| Legal Block | 30 |
| Legal Lot Number | 302 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 20103 |
6 Westham Ct is owned and occupied by an individual who bought it in January 2019.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA COMMUNITY CU |
| Jan 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Jul 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Jan 10, 2019 | Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE |
| Jun 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 21, 2017 | Deed, Transfer OLD REPUBLIC TITLE |
| Apr 21, 2017 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2019 · Amount on File |
| Deed Sale | Jan 10, 2019 · Amount on File |
| Prior Sale | Apr 21, 2017 · Amount on File |
| Deed Document Number | 201995 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220002716 |
|---|---|
| Date | Jul 25, 2022 |
| Instrument | 220002716 |
| Name | VIRGINIA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 210000175 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 210000175 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1902123 |
|---|---|
| Date | Jul 19, 2019 |
| Instrument | 1902123 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jan 10, 2019 |
| Property Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Document Number | 1900095 |
| Map Reference | PB 985PG 159 |
| Instrument Date | Jan 2, 2019 |
| Instrument | 1900095 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Document Number | 1900096 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | 1900096 |
| Name | WATERSTONE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2018 |
| Name | Verified Name |
|---|
| Document Number | 1801790 |
|---|---|
| Date | Jun 11, 2018 |
| Instrument | 1801790 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 21, 2017 |
| Property Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Document Number | 1701276 |
| Map Reference | PB 96 PG 460 |
| Instrument Date | Mar 17, 2017 |
| Instrument | 1701276 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 21, 2017 |
| Property Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Document Number | 1701276 |
| Map Reference | PB 96 PG 460 |
| Instrument Date | Mar 17, 2017 |
| Instrument | 1701276 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 WESTHAM CT, PALMYRA, VA 22963-2546 |
| Document Number | 1701277 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 1701277 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
The 2025 property tax bill for 6 Westham Ct was $4,200.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $556,300 (-) Land $55,000 Building $501,300 | $556,300 (-) Land $55,000 Building $501,300 | |
| 2025 | $4,200.00 | $556,300 Land $55,000 Building $501,300 | $556,300 Land $55,000 Building $501,300 |
| 2023 | $414,600 Land $55,000 Building $359,600 | $414,600 Land $55,000 Building $359,600 | |
| 2022 | $3,499.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6 Westham Ct 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 | 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 risk around 6 Westham Ct 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 270 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 |
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