7 Ashcake Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 7 Ashcake Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,656 sqft · built 2000
Lot Size	0.377 acres (16,422 sqft)
Owner	2 Individual Names on Record
Last Sale	$371,000 (Jun 2026)
Tax Bill	$2,394 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 2 277`

Property Details

APN / Parcel Number

Primary APN	`18A 2 277`
Alternative APN	`2437`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,656 sqft Living Area
Gross Area	2,746 sqft
1st Floor Area	1,656 sqft
Basement Area	828 sqft
Unfinished Basement	828 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,422 sqft (0.377 acres)
Terrain	Rolling
Porch	Porch
Porch Area	50 sqft
Deck Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2437
Street Address	7 ASHCAKE TER
City	PALMYRA
State	VA
Zip	22963-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 990-972 SHADWELL-2 LOT 277 16,441 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	27
Legal Lot Number	277
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2005
Census Tract	20104

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	7 ASHCAKE TER, PALMYRA, VA 22963-3224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed, Transfer · VA Mortgage VIRGINIA CTRL FEDERAL CREDIT UNION
Sep 28, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jul 19, 2017	Deed, Transfer
Apr 20, 2017	Deed, Transfer CHICAGO ABSTRACT TITLE
Apr 20, 2017	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	Jul 19, 2017 · Amount on Record
Deed Document Number	20261670
Prior Transfer Date	May 15, 2017
Prior Transfer Doc	0000002282
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 4, 2026
Property Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	0000001670
Instrument Date	Jun 1, 2026
Instrument	20261670
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	SABE TITLE, SAGE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,471.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224

Mortgage

Document Number	0000001671,
Date	Jun 4, 2026
Instrument	20261671

Lender

Name	VIRGINIA CTRL FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002686
Date	Sep 28, 2023
Instrument	230002686

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2063

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 19, 2017
Property Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	0001702282
Map Reference	PB 76 PG 564
Instrument Date	May 15, 2017
Instrument	1702282
Transaction Type	Transfer
Record Updated	Jul 13, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 20, 2017
Property Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	1701248
Map Reference	PB 76 PG 564
Instrument Date	Mar 27, 2017
Instrument	1701248
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CHICAGO ABSTRACT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 20, 2017
Property Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	0001701248
Map Reference	PB 76 PG 564
Instrument Date	Mar 27, 2017
Instrument	1701248
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	CHICAGO ABSTRACT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 ASHCAKE TER, PALMYRA, VA 22963-3224

Mortgage

Document Number	0001701249
Date	Apr 20, 2017
Instrument	1701249

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$317,100 (-) Land $30,000 Building $287,100	$317,100 (-) Land $30,000 Building $287,100
2025	$2,394.00 (+0.67%)	$317,100 (+30.23%) Land $30,000 Building $287,100	$317,100 (+30.23%) Land $30,000 Building $287,100
2024	$2,378.00 (+15.72%)
2023		$243,500 Land $30,000 Building $213,500	$243,500 Land $30,000 Building $213,500
2022	$2,055.00

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	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

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	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 248 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

Cell Coverage

5G (outdoors only) and 4G LTE

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