10 Apache Trl, Palmyra, VA 22963 Property Records

Fluvanna County property record for 10 Apache Trl, Palmyra, VA 22963 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2010
Square Footage	1,196 sqft Living Area
Lot Size	19,384 sqft (0.445 acres)
Occupancy	Owner Occupied
Tax Bill	$1,920.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`18A 10 68`
Alternative APN	`4175`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,196 sqft Living Area
Gross Area	2,620 sqft Gross Area
1st Floor	1,196 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Softwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	19,384 sqft (0.445 acres)

Exterior Amenities

Deck Area	120 sqft Deck
Porch Area	108 sqft Porch
View	Corner View
Topography	Rolling Topography

Utilities and HVAC

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

Location & Zoning

Account Number	4175
Street Address	10 APACHE TRL
City	PALMYRA
State	VA
Zip	22963-3111
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	INST 220002067 CHEROKEE-10 LOT 68 19,365 SF
Legal Subdivision	CHEROKEE LAKE MONTICELLO PH 1
Legal Block	6
Legal Lot Number	68
Jurisdiction	FLUVANNA VA
Minor Civil Division	PALMYRA
Census Blockgroup	1
Census Block	1009
Census Tract	20104

Owner

Source: Fluvanna County records · APN 18A 10 68

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	10 APACHE TRL, PALMYRA, VA 22963-3111
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	10 APACHE TRL, PALMYRA, VA 22963-3111
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200005036
Date	Dec 07, 2020
Instrument	200005036

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

Interest

Rate Type	Fixed Rate

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		$254,400 (-) Land $30,000 Building $224,400	$254,400 (-) Land $30,000 Building $224,400
2025	$1,920.00 (+31.51%)	$254,400 (+47.05%) Land $30,000 Building $224,400	$254,400 (+47.05%) Land $30,000 Building $224,400
2023		$173,000 Land $30,000 Building $143,000	$173,000 Land $30,000 Building $143,000
2022	$1,460.00

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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