10 Sandy Beach Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 10 Sandy Beach Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,760 sqft · built 2002
Lot Size	0.418 acres (18,208 sqft)
Owner	Individual Name on Record
Last Sale	$197,500 (Sep 2020)
Tax Bill	$2,345 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 7 120`

Property Details

APN / Parcel Number

Primary APN	`18A 7 120`
Alternative APN	`312`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
Gross Area	2,816 sqft
1st Floor Area	1,760 sqft
Basement Area	880 sqft
Unfinished Basement	880 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,208 sqft (0.418 acres)
Terrain	Rolling
Porch	Porch
Porch Area	36 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	312
Street Address	10 SANDY BEACH CT
City	PALMYRA
State	VA
Zip	22963-3360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200003405 CROFTON-7 LOT 120 18,199 SF
Legal Subdivision	CROFTON LAKE MONTICELLO
Legal Block	12
Legal Lot Number	120
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1015
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	10 SANDY BEACH CT, PALMYRA, VA 22963-3360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2020 · Amount on Record
Deed Sale	Sep 2, 2020 · Amount on Record
Prior Sale	Feb 19, 2013 · Amount on Record
Deed Document Number	20203405
Record Updated	Oct 29, 2026

September 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 2, 2020
Property Address	10 SANDY BEACH CT, PALMYRA, VA 22963-3360
Document Number	200003405
Map Reference	DB 86 PG 412
Instrument Date	Jul 1, 2020
Instrument	200003405
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SANDY BEACH CT, PALMYRA, VA 22963-3360

Mortgage

Document Number	200003406
Date	Sep 2, 2020
Instrument	200003406

Lender

Name	FULTON BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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		$310,700 (-) Land $28,500 Building $282,200	$310,700 (-) Land $28,500 Building $282,200
2025	$2,345.00 (+14.67%)	$310,700 (+28.23%) Land $28,500 Building $282,200	$310,700 (+28.23%) Land $28,500 Building $282,200
2023		$242,300 Land $28,500 Building $213,800	$242,300 Land $28,500 Building $213,800
2022	$2,045.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 219 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: Brightspeed, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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