65 Wildwood Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 65 Wildwood Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,748 sqft · built 1998
Lot Size	0.506 acres (22,041 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Oct 2025)
Tax Bill	$6,006 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18A 3 445`

Property Details

APN / Parcel Number

Primary APN	`18A 3 445`
Alternative APN	`9606`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	5,430 sqft
1st Floor Area	1,748 sqft
Basement Area	1,748 sqft
Finished Basement	1,748 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,041 sqft (0.506 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Type	Mixed
Garage Area	528 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	372 sqft
Deck Area	20 sqft
Patio Area	608 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9606
Street Address	65 WILDWOOD DR
City	PALMYRA
State	VA
Zip	22963-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230002986 MONTPELIER-3 LOT 445 22,022 SF
Legal Subdivision	MONTPELIER
Legal Block	44
Legal Lot Number	445
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

65 Wildwood Dr is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	65 WILDWOOD DR, PALMYRA, VA 22963-2225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 2, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage NAVY FCU
Oct 27, 2023	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2025 · Amount on File
Deed Sale	Oct 2, 2025 · Amount on File
Deed Document Number	20253047
Prior Transfer Date	Aug 18, 2023
Prior Transfer Doc	0000002986
Record Updated	Sep 20, 2026

October 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 2, 2025
Property Address	65 WILDWOOD DR, PALMYRA, VA 22963-2225
Document Number	0250003047
Instrument Date	Sep 22, 2025
Instrument	250003047
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795.50
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 by the Entirety
Address	65 WILDWOOD DR, PALMYRA, VA 22963-2225

Mortgage

Document Number	0250003048
Date	Oct 2, 2025
Instrument	250003048

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 27, 2023
Property Address	65 WILDWOOD DR, PALMYRA, VA 22963-2225
Document Number	0230002986
Map Reference	DB 86 PG 395
Instrument Date	Aug 18, 2023
Instrument	230002986
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	65 WILDWOOD DR, PALMYRA, VA 22963-2225

Tax Assessment & Valuation

The 2025 property tax bill for 65 Wildwood Dr was $6,006, up 0.7% from the year before.

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		$795,500 (+%) Land $170,000 Building $625,500	$795,500 (+%) Land $170,000 Building $625,500
2025	$6,006.00 (+0.67%)	$795,480 Land $170,000 Building $625,480	$795,480 Land $170,000 Building $625,480
2024	$5,966.00
2023		$605,800 Land $170,000 Building $435,800	$605,800 Land $170,000 Building $435,800
2022	$5,112.00

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

Flood

FEMA maps place 65 Wildwood Dr 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 65 Wildwood Dr 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 97% of the US · lower than 98.4% of Virginia
Wildfire Likelihood	Under 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 125 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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