7 Monish Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 7 Monish Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,469 sqft · built 1985
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$281,000 (Mar 2022)
Tax Bill	$2,781 (2025)
Deeds & Mortgages	Apr 2007 Line of Credit Jan 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 360`

Property Details

APN / Parcel Number

Primary APN	`18A 5 360`
Alternative APN	`3191`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,469 sqft Living Area
Gross Area	3,056 sqft
1st Floor Area	1,409 sqft
Basement Area	1,268 sqft
Finished Basement	1,268 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1996
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	34 sqft
Deck Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3191
Street Address	7 MONISH DR
City	PALMYRA
State	VA
Zip	22963-2909
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220001013 TUFTON-5 LOT 360 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	36
Legal Lot Number	360
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2016
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	Individual Name on Record
Mailing Address	7 MONISH DR, PALMYRA, VA 22963-2909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2007	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Jan 6, 2006	Deed of Trust, Mortgage · ARM INDYMAC BANK FSB
Mar 18, 2022	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jun 28, 2018	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2022 · Amount on Record
Deed Sale	Mar 18, 2022 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	20221013
Last Transfer Date	Jun 23, 2022
Transfer Doc	0000002309
Record Updated	Oct 29, 2026

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 MONISH DR, PALMYRA, VA 22963-2909
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000724/882
Date	Apr 16, 2007
Book Page	724/882
Instrument	2056

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 MONISH DR, PALMYRA, VA 22963-2909
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000666/833
Date	Jan 6, 2006
Book Page	666/833
Instrument	0103

Lender

Name	INDYMAC BANK FSB
Type	Bank
Address	PASADENA, CA 91101

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	2.2%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2006
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	9.95%

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 18, 2022
Property Address	7 MONISH DR, PALMYRA, VA 22963-2909
Document Number	0220001013
Map Reference	DB 86 PG 402
Instrument Date	Mar 14, 2022
Instrument	220001013
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.00
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 MONISH DR, PALMYRA, VA 22963-2909

Mortgage

Document Number	0220001014
Date	Mar 18, 2022
Instrument	220001014

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 28, 2018
Property Address	7 MONISH DR, PALMYRA, VA 22963-2909
Document Number	0001802018
Map Reference	PB 86 PG 402
Instrument Date	Jun 22, 2018
Instrument	1802018
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
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 MONISH DR, PALMYRA, VA 22963-2909

Mortgage

Document Number	0001802019
Date	Jun 28, 2018
Instrument	1802019

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional 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		$368,420 (-) Land $30,000 Building $338,420	$368,420 (-) Land $30,000 Building $338,420
2025	$2,781.00 (+23.49%)	$368,420 (+38.04%) Land $30,000 Building $338,420	$368,420 (+38.04%) Land $30,000 Building $338,420
2023		$266,900 Land $30,000 Building $236,900	$266,900 Land $30,000 Building $236,900
2022	$2,252.00

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	0.02% 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 178 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

May also be available: Verizon.

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