9 Ashcake Ter, Palmyra, VA 22963 Property Records

Fluvanna County property record for 9 Ashcake Ter, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,774 sqft · built 1993
Lot Size	0.459 acres (19,994 sqft)
Owner	Individual Name on Record
Last Sale	$242,300 (Sep 2021)
Tax Bill	$2,499 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 2 276`

Property Details

APN / Parcel Number

Primary APN	`18A 2 276`
Alternative APN	`6655`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,774 sqft Living Area
Gross Area	3,972 sqft
1st Floor Area	1,774 sqft
Basement Area	1,774 sqft
Unfinished Basement	1,774 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6655
Street Address	9 ASHCAKE TER
City	PALMYRA
State	VA
Zip	22963-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210004841 SHADWELL-2 LOT 276 20,007 SF
Legal Subdivision	SHADWELL LAKE MONTICELLO
Legal Block	27
Legal Lot Number	276
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2005
Census Tract	20104

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	9 ASHCAKE TER, PALMYRA, VA 22963-3224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2019	Deed of Trust, Mortgage · Commercial Mortgage ATLANTIC UNION BANK
Sep 24, 2021	Deed, Transfer · Conventional Mortgage FINANCE AMERICA MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Feb 11, 2015 · Amount on Record
Deed Document Number	20214841
Prior Transfer Date	May 3, 2013
Prior Transfer Doc	000894/686
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	9 ASHCAKE TER, PALMYRA, VA 22963-3224
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001902201
Date	Jul 25, 2019
Instrument	1902201

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 24, 2021
Property Address	9 ASHCAKE TER, PALMYRA, VA 22963-3224
Document Number	0210004841
Map Reference	DB 76 PG 564
Instrument Date	Sep 15, 2021
Instrument	210004841
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$242.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 ASHCAKE TER, PALMYRA, VA 22963-3224
Investor	Possibly a Property Investor

Mortgage

Document Number	0210004842
Date	Sep 24, 2021
Instrument	210004842

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed 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		$331,100 (-) Land $30,000 Building $301,100	$331,100 (-) Land $30,000 Building $301,100
2025	$2,499.00 (+13.38%)	$331,100 (+26.76%) Land $30,000 Building $301,100	$331,100 (+26.76%) Land $30,000 Building $301,100
2023		$261,200 Land $30,000 Building $231,200	$261,200 Land $30,000 Building $231,200
2022	$2,204.00

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	1 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	0.01% annual chance
Exposure	Direct burnable vegetation

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 248 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

Cell Coverage

5G (outdoors only) and 4G LTE

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