61 Laguna Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 61 Laguna Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,988 sqft · built 2023
Lot Size	0.395 acres (17,206 sqft)
Owner	Individual Name on File
Tax Bill	$5,776 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 9 286`

Property Details

APN / Parcel Number

Primary APN	`18A 9 286`
Alternative APN	`5485`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,988 sqft Living Area
Gross Area	4,715 sqft
Basement Area	1,988 sqft
Unfinished Basement	1,988 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,206 sqft (0.395 acres)
Terrain	Steep
View / Lot	Waterfront / Beach

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5485
Street Address	61 LAGUNA RD
City	PALMYRA
State	VA
Zip	22963-2419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200003621 KNOLLWOOD-9 LOT 286 17,207 SF
Legal Subdivision	KNOLLWOOD PH 9
Legal Block	28
Legal Lot Number	286
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1010
Census Tract	20103

Owner

61 Laguna Rd is owned and occupied by an individual who acquired it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	61 LAGUNA RD, PALMYRA, VA 22963-2419
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 4, 2023
Transfer Doc	0000003356
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	61 LAGUNA RD, PALMYRA, VA 22963-2419
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210005657
Date	Nov 15, 2021
Instrument	210005657

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	61 LAGUNA RD, PALMYRA, VA 22963-2419
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210005469
Date	Nov 1, 2021
Instrument	210005469

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 61 Laguna Rd was $5,776.

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		$765,150 (-) Land $180,500 Building $584,650	$765,150 (-) Land $180,500 Building $584,650
2025	$5,776.00	$765,150 Land $180,500 Building $584,650	$765,150 Land $180,500 Building $584,650
2023		$180,500 Land $180,500	$180,500 Land $180,500
2022	$1,523.00

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

Flood

FEMA maps place 61 Laguna Rd 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 61 Laguna Rd is low, with less than 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 94% of the US · lower than 96% of Virginia
Wildfire Likelihood	Under 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 193 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

Cell Coverage

5G and 4G LTE (outdoors only)

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