Fluvanna County property record for 10 Colonial Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,028 sqft · built 1996 |
| Lot Size | 0.525 acres (22,869 sqft) |
| Owner | Company Name on Record |
| Last Sale | $144,000 (Sep 2013) |
| Tax Bill | $2,480 (2025) |
| Deeds & Mortgages | Feb 2011 Line of Credit Nov 2014 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 3 199 |
| Primary APN | 18A 3 199 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,028 sqft Living Area |
| Gross Area | 3,836 sqft |
| 1st Floor Area | 1,792 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,869 sqft (0.525 acres) |
| Terrain | Rolling |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 168 sqft |
| Balcony Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5734 |
|---|---|
| Street Address | 10 COLONIAL RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 220001420 MONTPELIER-3 LOT 199 22,880 SF |
| Legal Subdivision | MONTPELIER LAKE MONTICELLO SUBDISION |
| Legal Block | 19 |
| Legal Lot Number | 199 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 20103 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2401 HYDRAULIC RD, CHARLOTTESVILLE, VA 22901-2723 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 15, 2011 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Nov 24, 2014 | Deed of Trust, Mortgage · Conventional Mortgage GOODMORTGAGE COM |
| Jan 14, 2008 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Apr 18, 2022 | Gift Deed, Transfer · USDA Mortgage USDA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2013 · Amount on Record |
| Deed Sale | Sep 12, 2013 · Amount on Record |
| Deed Document Number | 20133637 |
| Deed Book / Page | 904 / 89 |
| Last Transfer Date | Apr 15, 2022 |
| Transfer Doc | 0000001420 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 10 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000837/001 |
|---|---|
| Date | Feb 15, 2011 |
| Book Page | 837/001 |
| Instrument | 1100484 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 10 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001403276 |
|---|---|
| Date | Nov 24, 2014 |
| Instrument | 1403276 |
| Name | GOODMORTGAGE COM |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2044 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 10 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000753/673 |
|---|---|
| Date | Jan 14, 2008 |
| Book Page | 753/673 |
| Instrument | 0198 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 18, 2022 |
| Property Address | 10 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0220001420 |
| Map Reference | DB 904 PG 89 |
| Instrument Date | Apr 15, 2022 |
| Instrument | 220001420 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2401 HYDRAULIC RD, CHARLOTTESVILLE, VA 22901-2723 |
| Document Number | 0220001421 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 220001421 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $328,500 (-) Land $30,000 Building $298,500 | $328,500 (-) Land $30,000 Building $298,500 | |
| 2025 | $2,480.00 (+0.69%) | $328,500 (+24.53%) Land $30,000 Building $298,500 | $328,500 (+24.53%) Land $30,000 Building $298,500 |
| 2024 | $2,463.00 (+10.65%) | ||
| 2023 | $263,800 Land $30,000 Building $233,800 | $263,800 Land $30,000 Building $233,800 | |
| 2022 | $2,226.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 222 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 |
| Brightspeed DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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