646 Georges Mill Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 646 Georges Mill Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1973
Lot Size	3.82 acres (166,486 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,875 (Feb 2026)
Tax Bill	$1,978 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`30 A 107`

Property Details

APN / Parcel Number

Primary APN	`30 A 107`
Alternative APN	`5192`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	2,528 sqft
1st Floor Area	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	166,486 sqft (3.82 acres)
Terrain	Rolling
Porch	Patio
Porch Area	320 sqft
Deck Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	5192
Street Address	646 GEORGES MILL RD
City	PALMYRA
State	VA
Zip	22963-4601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 230001516 AC 3.822
Legal Subdivision	COUNTY OF FLUVANNA VIRGINIA CONTAINING 3
Legal Block	10
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1054
Census Tract	20200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Glen Burnie listed 2000 · 2 contributing resources · NRIS 00000893

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Fluvanna County records, as of June 30, 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	640 GEORGES MILL RD, PALMYRA, VA 22963-4601
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE
Feb 10, 2026	Deed, Transfer · Conventional Mortgage UNIVERSITY OF VIRGINIA COMMUNITY CU
Jun 6, 2023	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2026 · Amount on Record
Deed Sale	Feb 10, 2026 · Amount on Record
Prior Sale	Apr 17, 2023 · Amount on Record
Deed Document Number	2026383
Prior Transfer Date	May 30, 2023
Prior Transfer Doc	0000001516
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	646 GEORGES MILL RD, PALMYRA, VA 22963-4601
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000983
Date	Apr 17, 2023
Instrument	230000983

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	646 GEORGES MILL RD, PALMYRA, VA 22963-4601
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250001669
Date	Jun 5, 2025
Instrument	250001669

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 10, 2026
Property Address	646 GEORGES MILL RD, PALMYRA, VA 22963-4601
Document Number	0260000383
Instrument Date	Feb 9, 2026
Instrument	260000383
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.00
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	640 GEORGES MILL RD, PALMYRA, VA 22963-4601

Mortgage

Document Number	0260000384
Date	Feb 10, 2026
Instrument	260000384

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 6, 2023
Property Address	646 GEORGES MILL RD, PALMYRA, VA 22963-4601
Document Number	0230001516
Map Reference	DB 161 PG 151
Instrument Date	May 30, 2023
Instrument	230001516
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 GEORGES MILL RD, PALMYRA, VA 22963-4601

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		$262,000 (+2.05%) Land $53,200 Building $208,800	$262,000 (+2.05%) Land $53,200 Building $208,800
2025	$1,978.00 (+2.75%)	$256,735 (+37.66%) Land $53,200 Building $203,535	$256,735 (+37.66%) Land $53,200 Building $203,535
2024	$1,925.00 (+22.3%)
2023		$186,500 Land $53,200 Building $133,300	$186,500 Land $53,200 Building $133,300
2022	$1,574.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

5G (outdoors only) and 4G LTE

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