7 Dover Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 7 Dover Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,975 sqft · built 1972
Lot Size	0.451 acres (19,646 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Oct 2008)
Tax Bill	$6,881 (2025)
Deeds & Mortgages	May 2017 Reverse Mortgage May 2017 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 1 10`

Property Details

APN / Parcel Number

Primary APN	`18A 1 10`
Alternative APN	`9495`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,975 sqft Living Area
Gross Area	6,878 sqft
1st Floor Area	2,975 sqft
Basement Area	2,975 sqft
Finished Basement	2,975 sqft
Sunroom	Sunroom
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,646 sqft (0.451 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Type	Built-in
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	128 sqft
Deck Area	592 sqft
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	9495
Street Address	7 DOVER CT
City	PALMYRA
State	VA
Zip	22963-3334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 777-223 ASHLAWN-1 LOT 10 19,652 SF
Legal Subdivision	ASHLAWN
Legal Block	1
Legal Lot Number	10
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1025
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 DOVER CT, PALMYRA, VA 22963-3334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2017	Deed of Trust, Mortgage · Reverse Mortgage HUD
May 19, 2017	Deed of Trust, Mortgage · Reverse Mortgage LIVE WELL FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2008 · Amount on Record
Deed Sale	Oct 10, 2008 · Amount on Record
Deed Document Number	20084563
Deed Book / Page	777 / 223
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 DOVER CT, PALMYRA, VA 22963-3334
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1701591
Date	May 19, 2017
Instrument	1701591

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	932 Months
Due	Jan 24, 2095

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 DOVER CT, PALMYRA, VA 22963-3334
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1701590
Date	May 19, 2017
Instrument	1701590

Lender

Name	LIVE WELL FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	932 Months
Due	Jan 24, 2095

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

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		$911,500 (-) Land $218,000 Building $693,500	$911,500 (-) Land $218,000 Building $693,500
2025	$6,881.00 (+10.68%)	$911,500 (+23.73%) Land $218,000 Building $693,500	$911,500 (+23.73%) Land $218,000 Building $693,500
2023		$736,700 Land $218,000 Building $518,700	$736,700 Land $218,000 Building $518,700
2022	$6,217.00

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 80% of the US · lower than 71% 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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