61 Forest Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 61 Forest Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,788 sqft · built 1986
Lot Size	0.614 acres (26,746 sqft)
Owner	2 Individual Names on Record
Last Sale	$849,000 (Jan 2025)
Tax Bill	$4,538 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 3 387`

Property Details

APN / Parcel Number

Primary APN	`18A 3 387`
Alternative APN	`10449`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	5,080 sqft
1st Floor Area	1,232 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,746 sqft (0.614 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	1,244 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	328 sqft
Deck Area	112 sqft
Patio Area	288 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10449
Street Address	61 FOREST DR
City	PALMYRA
State	VA
Zip	22963-2116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 250000083 MONTPELIER-3 LOT 387 26,735 SF
Legal Subdivision	MONTPELIER
Legal Block	38
Legal Lot Number	387
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
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	2 Individual Names on Record
Mailing Address	61 FOREST DR, PALMYRA, VA 22963-2116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT INC
Jan 9, 2025	Cash Sale Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2025 · Amount on Record
Deed Sale	Jan 9, 2025 · Amount on Record
Prior Sale	Aug 14, 2014 · Amount on Record
Deed Document Number	202583
Prior Transfer Date	Aug 27, 2012
Prior Transfer Doc	000873/690
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	61 FOREST DR, PALMYRA, VA 22963-2116
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210000611
Date	Feb 8, 2021
Instrument	210000611

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

January 2025: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 9, 2025
Property Address	61 FOREST DR, PALMYRA, VA 22963-2116
Document Number	0250000083
Map Reference	DB 86 PG 393
Instrument Date	Jan 3, 2025
Instrument	250000083
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$849.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 FOREST DR, PALMYRA, VA 22963-2116

Mortgage

Document Number	0250000084
Date	Jan 9, 2025
Instrument	250000084

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2020
Change Frequency	6 Months
Min Rate At Change	2.62%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

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		$601,100 (%) Land $190,000 Building $411,100	$601,100 (%) Land $190,000 Building $411,100
2025	$4,538.00 (+0.67%)	$601,120 (+13.33%) Land $190,000 Building $411,120	$601,120 (+13.33%) Land $190,000 Building $411,120
2024	$4,508.00 (+0.71%)
2023		$530,400 Land $190,000 Building $340,400	$530,400 Land $190,000 Building $340,400
2022	$4,476.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% 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 79 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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