7 Panorama Dr, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,684 sqft · built 2019
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$214,990 (Sep 2019)
Tax Bill	$2,578 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31 17 12`

Property Details

APN / Parcel Number

Primary APN	`31 17 12`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,684 sqft Living Area
Gross Area	3,223 sqft
1st Floor Area	1,483 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,473 sqft (0.47 acres)
Terrain	Rolling
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	272 sqft
Balcony Area	19 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7 PANORAMA DR
City	PALMYRA
State	VA
Zip	22963-4767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 190002899 AC 0.47 PANORAMA CLUSTER SUBDIVISION
Legal Subdivision	CLUSTER SUBDIVISION
Legal Block	1
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1055
Census Tract	20200

Owner

7 Panorama Dr is owned and occupied by an individual who bought it in September 2019.

Source: Fluvanna County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	7 PANORAMA DR, PALMYRA, VA 22963-4767
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 25, 2026	Deed of Trust, Mortgage · Line of Credit TOWER FEDERAL CREDIT UNION
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWER FCU
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage C & F MORTGAGE CORP
Sep 24, 2019	Deed, Transfer · FHA Mortgage NFM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2019 · Amount on File
Deed Sale	Sep 24, 2019 · Amount on File
Prior Sale	Feb 25, 2013 · Amount on File
Deed Document Number	20192899
Prior Transfer Date	Feb 4, 2013
Prior Transfer Doc	887/709
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Aug 25, 2026
Property Address	7 PANORAMA DR, PALMYRA, VA 22963-4767
Document Number	0000002603
Instrument Date	Jul 7, 2026
Instrument	20262603
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 PANORAMA DR, PALMYRA, VA 22963-4767

Mortgage

Document Number	0000002603,
Date	Aug 25, 2026
Instrument	20262603

Lender

Name	TOWER FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2056

Interest

Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 PANORAMA DR, PALMYRA, VA 22963-4767
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006235
Date	Dec 27, 2021
Instrument	210006235

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 25, 2052

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 PANORAMA DR, PALMYRA, VA 22963-4767
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210005196
Date	Oct 14, 2021
Instrument	210005196

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Nov 1, 2046

Interest

Rate Type	Fixed Rate

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 24, 2019
Property Address	7 PANORAMA DR, PALMYRA, VA 22963-4767
Document Number	1902899
Map Reference	PB 3 PG 8
Instrument Date	Sep 19, 2019
Instrument	1902899
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

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 PANORAMA DR, PALMYRA, VA 22963-4767

Mortgage

Document Number	1902900
Date	Sep 24, 2019
Instrument	1902900

Lender

Name	NFM INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7 Panorama Dr was $2,578.

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		$341,500 (-) Land $55,000 Building $286,500	$341,500 (-) Land $55,000 Building $286,500
2025	$2,578.00	$341,500 Land $55,000 Building $286,500	$341,500 Land $55,000 Building $286,500
2023		$256,400 Land $35,000 Building $221,400	$256,400 Land $35,000 Building $221,400
2022	$2,164.00

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

Flood

FEMA maps place 7 Panorama Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.

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
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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 Panorama Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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