Fluvanna County property record for 70 Forest Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 3,881 sqft · built 1987 |
| Lot Size | 0.669 acres (29,142 sqft) |
| Owner | Individual Name on File |
| Last Sale | $670,000 (Nov 2018) |
| Tax Bill | $7,881 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 3 396 |
| Primary APN | 18A 3 396 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,881 sqft Living Area |
| Gross Area | 9,977 sqft |
| 1st Floor Area | 3,881 sqft |
| Basement Area | 1,940 sqft |
| Finished Basement | 1,940 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 29,142 sqft (0.669 acres) |
| Terrain | Rolling |
| View / Lot | Waterfront |
| Garage Area | 649 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 1,566 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 10454 |
|---|---|
| Street Address | 70 FOREST DR |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 230002970 MONTPELIER-3 LOT 396 29,156 SF |
| Legal Subdivision | MONTPELIER ADDITION TWO LAKE MONTICELLO |
| Legal Block | 39 |
| Legal Lot Number | 396 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20103 |
Source: Fluvanna County records · APN 18A 3 396
Assessment roll updated June 25, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 70 FOREST DR, PALMYRA, VA 22963-2123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK |
| Jun 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF COMMERCE FCU |
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 18, 2022 | Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Nov 27, 2018 | Deed, Transfer · Conventional Mortgage DEPARTMENT OF COMMERCE FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 27, 2018 · Amount on Record |
| Deed Sale | Nov 27, 2018 · Amount on Record |
| Prior Sale | Jun 07, 2013 · Amount on Record |
| Deed Document Number | 20183644 |
| Last Transfer Date | Sep 14, 2023 |
| Transfer Doc | 0000002970 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 70 FOREST DR, PALMYRA, VA 22963-2123 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0210005333 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 210005333 |
| Name | FIRST CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 70 FOREST DR, PALMYRA, VA 22963-2123 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001901821 |
|---|---|
| Date | Jun 25, 2019 |
| Instrument | 1901821 |
| Name | DEPARTMENT OF COMMERCE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 70 FOREST DR, PALMYRA, VA 22963-2123 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0210005332 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 210005332 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Aug 18, 2022 |
| Property Address | 70 FOREST DR, PALMYRA, VA 22963-2123 |
| Document Number | 0220003049 |
| Map Reference | DB 84 PG 189 |
| Instrument Date | Aug 02, 2022 |
| Instrument | 220003049 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $80.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 70 FOREST DR, PALMYRA, VA 22963-2123 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Nov 27, 2018 |
| Property Address | 70 FOREST DR, PALMYRA, VA 22963-2123 |
| Document Number | 0001803644 |
| Map Reference | PB 86 PG 393 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 1803644 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 70 FOREST DR, PALMYRA, VA 22963-2123 |
| Document Number | 0001803645 |
|---|---|
| Date | Nov 27, 2018 |
| Instrument | 1803645 |
| Name | DEPARTMENT OF COMMERCE FCU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,043,960 (-) Land $218,000 Building $825,960 | $1,043,960 (-) Land $218,000 Building $825,960 | |
| 2025 | $7,881.00 (+11.19%) | $1,043,960 (+24.3%) Land $218,000 Building $825,960 | $1,043,960 (+24.3%) Land $218,000 Building $825,960 |
| 2023 | $839,900 Land $218,000 Building $621,900 | $839,900 Land $218,000 Building $621,900 | |
| 2022 | $7,088.00 |
Source: FEMA National Flood Hazard Layer as of March 25, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Central Virginia Electric Cooperative Fiber | 1,000 / 1,000 |
May also be available: Verizon.
Based on FCC filings for 79 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE MONTICELLO private · serves 12,943 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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