1 Axle Tree Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1 Axle Tree Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1990
Lot Size	0.367 acres (15,987 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Feb 2024)
Tax Bill	$2,129 (2025)
Deeds & Mortgages	Feb 2006 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 116`

Property Details

APN / Parcel Number

Primary APN	`18A 3 116`
Alternative APN	`6927`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,802 sqft
1st Floor Area	1,170 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2008
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,987 sqft (0.367 acres)
Terrain	Rolling
View / Lot	Corner

Exterior Amenities

Porch	Patio
Porch Area	72 sqft
Deck Area	300 sqft
Balcony Area	90 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6927
Street Address	1 AXLE TREE RD
City	PALMYRA
State	VA
Zip	22963-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240000290 MONTPELIER-3 LOT 116 16,002 SF
Legal Subdivision	MONTPELIER
Legal Block	11
Legal Lot Number	116
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

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	1 AXLE TREE RD, PALMYRA, VA 22963-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2006	Deed of Trust, Mortgage UVA COMMUNITY CREDIT UNION INC
Feb 8, 2024	Bargain and Sale Deed, Transfer · Conventional Mortgage LENDERSELCET MORTGAGE GROUP
Jul 6, 2007	Bargain and Sale Deed, Transfer · Conventional Mortgage C & F MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2024 · Amount on Record
Deed Sale	Feb 8, 2024 · Amount on Record
Prior Sale	Jul 6, 2007 · Amount on Record
Deed Document Number	2024290
Record Updated	Sep 20, 2026

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1 AXLE TREE RD, PALMYRA, VA 22963-2105
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000672/410
Date	Feb 22, 2006
Book Page	672/410
Instrument	1005

Lender

Name	UVA COMMUNITY CREDIT UNION INC
Address	CHARLOTTESVILLE, VA 22901

Agreement

Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2011

February 2024: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 8, 2024
Property Address	1 AXLE TREE RD, PALMYRA, VA 22963-2105
Document Number	0240000290
Map Reference	DB 80 PG 36
Instrument Date	Jan 4, 2024
Instrument	240000290
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 AXLE TREE RD, PALMYRA, VA 22963-2105

Mortgage

Document Number	0240000291
Date	Feb 8, 2024
Instrument	240000291

Lender

Name	LENDERSELCET MORTGAGE GROUP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

July 2007: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 6, 2007
Property Address	1 AXLE TREE RD, PALMYRA, VA 22963-2105
Document Number	000735/445
Book / Page	735 / 445
Map Reference	DD80 PG36
Instrument Date	Jul 2, 2007
Instrument	3819
Transaction Type	Transfer
Record Updated	Oct 25, 2024
Title Company	STEWART TITLE GUARNTY CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 AXLE TREE RD, PALMYRA, VA 22963-2105

Mortgage

Document Number	000735/447
Date	Jul 6, 2007
Book Page	735/447
Instrument	3820

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company
Address	MIDLOTHIAN, VA 23113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2037

Interest

Rate	6.62%

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		$282,100 (-) Land $30,000 Building $252,100	$282,100 (-) Land $30,000 Building $252,100
2025	$2,129.00 (+39.7%)	$282,100 (+56.2%) Land $30,000 Building $252,100	$282,100 (+56.2%) Land $30,000 Building $252,100
2023		$180,600 Land $30,000 Building $150,600	$180,600 Land $30,000 Building $150,600
2022	$1,524.00

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.

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 257 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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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