10 Highland Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 10 Highland Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jan 2022)
Tax Bill	$2,638 (2025)
Deeds & Mortgages	Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`18A 8 325`

Property Details

APN / Parcel Number

Primary APN	`18A 8 325`
Alternative APN	`10196`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	4,817 sqft
1st Floor Area	1,824 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10196
Street Address	10 HIGHLAND RD
City	PALMYRA
State	VA
Zip	22963-2733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220000239 NAHOR-8 LOT 325 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	32
Legal Lot Number	325
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3008
Census Tract	20104

Owner

Source: Fluvanna County records, as of June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	10 HIGHLAND RD, PALMYRA, VA 22963-2733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2022 · Amount on File
Deed Sale	Jan 21, 2022 · Amount on File
Prior Sale	Jun 9, 2021 · Amount on File
Deed Document Number	2022239
Prior Transfer Date	Dec 3, 2013
Prior Transfer Doc	000909/661
Record Updated	Sep 20, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 21, 2022
Property Address	10 HIGHLAND RD, PALMYRA, VA 22963-2733
Document Number	0220000239
Map Reference	DB 89 PG 637
Instrument Date	Dec 7, 2021
Instrument	220000239
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 HIGHLAND RD, PALMYRA, VA 22963-2733

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		$349,500 (-) Land $30,000 Building $319,500	$349,500 (-) Land $30,000 Building $319,500
2025	$2,638.00 (+0.65%)	$349,500 (+21.19%) Land $30,000 Building $319,500	$349,500 (+21.19%) Land $30,000 Building $319,500
2024	$2,621.00 (+7.68%)
2023		$288,400 Land $30,000 Building $258,400	$288,400 Land $30,000 Building $258,400
2022	$2,434.00

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	7 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 142 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
Verizon Fixed Wireless	300 / 20