74 Cunningham Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 74 Cunningham Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,064 sqft · built 2021
Lot Size	2.68 acres (116,741 sqft)
Owner	Individual Name on Record
Last Sale	$342,657 (Feb 2021)
Tax Bill	$3,356 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17 29 6`

Property Details

APN / Parcel Number

Primary APN	`17 29 6`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,064 sqft Living Area
Gross Area	3,792 sqft
1st Floor Area	1,824 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	116,741 sqft (2.68 acres)
Terrain	Rolling
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	74 CUNNINGHAM CT
City	PALMYRA
State	VA
Zip	22963-2400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 210000538 AC 2.68 FOX HOLLOW SECTION IV
Legal Subdivision	FOX HOLLOW SECTION IV
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	1
Census Block	1015
Census Tract	20300

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	74 CUNNINGHAM CT, PALMYRA, VA 22963-2400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed, Subdivision Related Transfer · Conventional Mortgage TOWN FIRST MORTGAGE
Jul 11, 2017	Deed, Transfer · Commercial Mortgage VILLAGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2021 · Amount on Record
Deed Sale	Feb 2, 2021 · Amount on Record
Prior Sale	Jul 11, 2017 · Amount on Record
Deed Document Number	2021538
Record Updated	Sep 20, 2026

February 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 2, 2021
Property Address	74 CUNNINGHAM CT, PALMYRA, VA 22963-2400
Document Number	210000538
Map Reference	PB 2 PG 313
Instrument Date	Jan 4, 2021
Instrument	210000538
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 CUNNINGHAM CT, PALMYRA, VA 22963-2400

Mortgage

Document Number	0210000539
Date	Feb 2, 2021
Instrument	210000539

Lender

Name	TOWN FIRST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 11, 2017
Property Address	74 CUNNINGHAM CT, PALMYRA, VA 22963-2400
Document Number	1702197
Map Reference	PB 2 PG 313
Instrument Date	Jul 10, 2017
Instrument	1702197
Transaction Type	Transfer
Record Updated	Dec 13, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8249 CROWN COLONY PKWY # 100, 100, MECHANICSVILLE, VA 23116-4057

Mortgage

Document Number	1702198
Date	Jul 11, 2017
Instrument	1702198

Lender

Name	VILLAGE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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		$444,600 (-) Land $57,700 Building $386,900	$444,600 (-) Land $57,700 Building $386,900
2025	$3,356.00 (+9.82%)	$444,600 (+22.78%) Land $57,700 Building $386,900	$444,600 (+22.78%) Land $57,700 Building $386,900
2023		$362,100 Land $57,700 Building $304,400	$362,100 Land $57,700 Building $304,400
2022	$3,056.00

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	0.02% 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

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

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