11 Haversack Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 11 Haversack Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 2019
Lot Size	0.689 acres (30,013 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (May 2025)
Tax Bill	$2,153 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 318`

Property Details

APN / Parcel Number

Primary APN	`18A 5 318`
Alternative APN	`2778`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,920 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,013 sqft (0.689 acres)
Terrain	Rolling
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2778
Street Address	11 HAVERSACK RD
City	PALMYRA
State	VA
Zip	22963-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240000863 TUFTON-5 LOT 318 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	31
Legal Lot Number	318
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2009
Census Tract	20104

Owner

11 Haversack Rd is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2022	Deed of Trust, Mortgage · FHA Mortgage HUD
May 30, 2025	Cash Sale Deed, Transfer · Conventional Mortgage BANK OF JAMES
Apr 16, 2024	Deed, Transfer · VA Mortgage ATLANTA BAY MORTGAGE GROUP
Jan 10, 2020	Deed, Subdivision Related Transfer · FHA Mortgage WATERSTONE MORTGAGE
Sep 14, 2017	Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Apr 16, 2024 · Amount on File
Deed Document Number	20251598
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000423
Date	Feb 4, 2022
Instrument	220000423

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

May 2025: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 30, 2025
Property Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	0250001598
Map Reference	DB 808 PG 381
Instrument Date	May 15, 2025
Instrument	250001598
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917

Mortgage

Document Number	0250001599
Date	May 30, 2025
Instrument	250001599

Lender

Name	BANK OF JAMES
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2055

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 16, 2024
Property Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	0240000863
Map Reference	DB 808 PG 381
Instrument Date	Apr 15, 2024
Instrument	240000863
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917

Mortgage

Document Number	0240000864
Date	Apr 16, 2024
Instrument	240000864

Lender

Name	ATLANTA BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

January 2020: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 10, 2020
Property Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	0002000071
Map Reference	PB 808 PG 381
Instrument Date	Dec 20, 2019
Instrument	2000071
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 19, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917

Mortgage

Document Number	0002000072
Date	Jan 10, 2020
Instrument	2000072

Lender

Name	WATERSTONE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0002000073
Date	Jan 10, 2020
Instrument	2000073

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 14, 2017
Property Address	11 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	0001702955
Map Reference	PB 808 PG 381
Instrument Date	Aug 10, 2017
Instrument	1702955
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8429 CROWN COLONY PKWY, MECHANICSVILLE, VA 23116

Tax Assessment & Valuation

The 2025 property tax bill for 11 Haversack Rd was $2,153, up 0.7% from the year before.

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		$285,200 (-) Land $30,000 Building $255,200	$285,200 (-) Land $30,000 Building $255,200
2025	$2,153.00 (+0.65%)	$285,200 Land $30,000 Building $255,200	$285,200 Land $30,000 Building $255,200
2024	$2,139.00
2023		$229,400 Land $30,000 Building $199,400	$229,400 Land $30,000 Building $199,400
2022	$1,936.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11 Haversack Rd in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 11 Haversack Rd is low, with a 0.02% annual chance of 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 178 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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