86 Villa Cir, Palmyra, VA 22963 Property Records

Fluvanna County property record for 86 Villa Cir, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,460 sqft · built 2010
Lot Size	0.061 acres (2,657 sqft)
Owner	Individual Name on File
Last Sale	$159,900 (Apr 2020)
Tax Bill	$1,830 (2025)
Deeds & Mortgages	Apr 2020 Sale Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18C 1 25`

Property Details

APN / Parcel Number

Primary APN	`18C 1 25`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,460 sqft Living Area
Gross Area	1,524 sqft
1st Floor Area	1,460 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2018
Architectural Style	Townhouse
Exterior Material	Other
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,657 sqft (0.061 acres)
Terrain	Rolling
Porch	Slab
Porch Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	86 VILLA CIR
City	PALMYRA
State	VA
Zip	22963-2091
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	INST 190001600 AC 0.061 VILLAS AT SYCAMORE SQ
Legal Subdivision	VILLAS AT SYCAMORE SQ
Legal Block	2
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4008
Census Tract	20101

Owner

86 Villa Cir is owned and occupied by an individual who bought it in April 2020.

Source: Fluvanna County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	86 VILLA CIR, PALMYRA, VA 22963-2091
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
Apr 29, 2020	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Jun 6, 2019	Deed, Transfer · FHA Mortgage NFM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2020 · Amount on File
Deed Sale	Apr 29, 2020 · Amount on File
Prior Sale	Jun 6, 2019 · Amount on File
Deed Document Number	20201456
Record Updated	Oct 29, 2026

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 29, 2020
Property Address	86 VILLA CIR, PALMYRA, VA 22963-2091
Document Number	200001456
Map Reference	PB 3 PG 15
Instrument Date	Apr 21, 2020
Instrument	200001456
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount 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	86 VILLA CIR, PALMYRA, VA 22963-2091

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 6, 2019
Property Address	86 VILLA CIR, PALMYRA, VA 22963-2091
Document Number	1901600
Map Reference	PB 3 PG 15
Instrument Date	Jun 6, 2019
Instrument	1901600
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC 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	86 VILLA CIR, PALMYRA, VA 22963-2091

Mortgage

Document Number	1901601
Date	Jun 6, 2019
Instrument	1901601

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 86 Villa Cir was $1,830.

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		$242,400 (-) Land $20,000 Building $222,400	$242,400 (-) Land $20,000 Building $222,400
2025	$1,830.00	$242,400 Land $20,000 Building $222,400	$242,400 Land $20,000 Building $222,400
2023		$216,400 Land $20,000 Building $196,400	$216,400 Land $20,000 Building $196,400
2022	$1,826.00

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

Flood

FEMA maps place 86 Villa Cir in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 86 Villa Cir 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	Indirect within ember reach

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 82 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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