840 Cunningham Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 840 Cunningham Rd, Palmyra, VA 22963 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,288 sqft · built 1990
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on File
Tax Bill	$2,223 (2025)
Flood Zone	Zone X (minimal risk)
APN	`39 A 74A`

Property Details

APN / Parcel Number

Primary APN	`39 A 74A`
Alternative APN	`12237`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	3,162 sqft
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1997
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)
Terrain	Rolling
Porch	Porch
Porch Area	96 sqft
Deck Area	490 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12237
Street Address	840 CUNNINGHAM RD
City	PALMYRA
State	VA
Zip	22963-5203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DB 396-859 AC 4.0
Legal Block	7
Legal Lot Number	A
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	2
Census Block	2031
Census Tract	20300

Owner

Source: Fluvanna County records · APN 39 A 74A

Assessment roll updated June 25, 2026 · Last verified July 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	840 CUNNINGHAM RD, PALMYRA, VA 22963-5203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$294,500 (-) Land $44,000 Building $250,500	$294,500 (-) Land $44,000 Building $250,500
2025	$2,223.00 (+28.05%)	$294,500 (+43.1%) Land $44,000 Building $250,500	$294,500 (+43.1%) Land $44,000 Building $250,500
2023		$205,800 Land $44,000 Building $161,800	$205,800 Land $44,000 Building $161,800
2022	$1,736.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.