7 Mechunk Ter, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1995
Lot Size	0.374 acres (16,291 sqft)
Owner	2 Individual Names on File
Last Sale	$273,000 (Dec 2025)
Tax Bill	$1,786 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 226`

Property Details

APN / Parcel Number

Primary APN	`18A 6 226`
Alternative APN	`8599`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,396 sqft
1st Floor Area	1,144 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,291 sqft (0.374 acres)
Terrain	Rolling
View / Lot	Corner
Deck Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8599
Street Address	7 MECHUNK TER
City	PALMYRA
State	VA
Zip	22963-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180002336 RIVERSIDE-6 LOT 226 16,312 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	22
Legal Lot Number	226
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

7 Mechunk Ter is owned and occupied by two individuals who bought it in December 2025.

Source: Fluvanna County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7 MECHUNK TER, PALMYRA, VA 22963-2056
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 10, 2025	Deed, Transfer · FHA Mortgage NOVUS HOME MORTGAGE
Nov 19, 2019	Deed, Transfer
Jul 27, 2018	Deed, Transfer · Conventional Mortgage BRANCH BANKING & TRUST CO
Jul 27, 2018	Intrafamily Transfer, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on File
Deed Sale	Dec 10, 2025 · Amount on File
Prior Sale	Nov 19, 2019 · Amount on File
Deed Document Number	20253749
Prior Transfer Date	Jul 23, 2018
Prior Transfer Doc	0000002336
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 MECHUNK TER, PALMYRA, VA 22963-2056
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0210005029
Date	Oct 5, 2021
Instrument	210005029

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 10, 2025
Property Address	7 MECHUNK TER, PALMYRA, VA 22963-2056
Document Number	0250003749
Map Reference	MB 83 PG 22
Instrument Date	Nov 25, 2025
Instrument	250003749
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	DOMINION CAPITAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7 MECHUNK TER, PALMYRA, VA 22963-2056

Mortgage

Document Number	0250003750
Date	Dec 10, 2025
Instrument	250003750

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Mortgage

Document Number	0250003751
Date	Dec 10, 2025
Instrument	250003751

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company
Address	BROOKFIELD, WI 53045

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 19, 2019
Property Address	7 MECHUNK TER, PALMYRA, VA 22963-2056
Document Number	1903532
Map Reference	PB 530 PG 193
Instrument Date	Sep 18, 2019
Instrument	1903532
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Tax	$246.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2856 CLOVERDALE RD, BREMO BLUFF, VA 23022-2306

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 27, 2018
Property Address	7 MECHUNK TER, PALMYRA, VA 22963-2056
Document Number	1802334
Map Reference	PB 83 PG 224
Instrument Date	Jul 27, 2018
Instrument	1802334
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 MECHUNK TER, PALMYRA, VA 22963-2056

Mortgage

Document Number	1802335
Date	Jul 27, 2018
Instrument	1802335

Lender

Name	BRANCH BANKING & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jul 27, 2018
Property Address	7 MECHUNK TER, PALMYRA, VA 22963-2056
Document Number	1802336
Map Reference	PB 83 PG 224
Instrument Date	Jul 23, 2018
Instrument	1802336
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 MECHUNK TER, PALMYRA, VA 22963-2056

Tax Assessment & Valuation

The 2025 property tax bill for 7 Mechunk Ter was $1,786, 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		$236,600 (-) Land $30,000 Building $206,600	$236,600 (-) Land $30,000 Building $206,600
2025	$1,786.00 (+0.68%)	$236,600 Land $30,000 Building $206,600	$236,600 Land $30,000 Building $206,600
2024	$1,774.00
2023		$160,000 Land $30,000 Building $130,000	$160,000 Land $30,000 Building $130,000
2022	$1,350.00

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

Flood

FEMA maps place 7 Mechunk Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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 7 Mechunk Ter is low, with a 0.02% annual chance of 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	0.02% 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 45 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

4G LTE (outdoors only), no 5G reported

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