11 Sandy Beach Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 11 Sandy Beach Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,568 sqft · built 2002
Lot Size	0.385 acres (16,771 sqft)
Owner	Individual Name on Record
Last Sale	$242,900 (Jun 2020)
Tax Bill	$2,607 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jan 2019 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`18A 7 109`

Property Details

APN / Parcel Number

Primary APN	`18A 7 109`
Alternative APN	`4373`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Gross Area	2,712 sqft
1st Floor Area	1,568 sqft
Basement Area	784 sqft
Finished Basement	682 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,771 sqft (0.385 acres)
Terrain	Rolling
Porch	Porch
Porch Area	168 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	4373
Street Address	11 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 250001063 CROFTON-7 LOT 109 16,790 SF
Legal Subdivision	CROFTON
Legal Block	10
Legal Lot Number	109
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	11 SANDY BEACH CT, PALMYRA, VA 22963-3360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Deed, Transfer · Conventional Mortgage USAA FSB
Jan 3, 2019	Deed, Transfer
Mar 8, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2020 · Amount on Record
Deed Sale	Jun 15, 2020 · Amount on Record
Prior Sale	Jan 3, 2019 · Amount on Record
Deed Document Number	20202095
Last Transfer Date	Apr 11, 2025
Transfer Doc	0000001063
Record Updated	Oct 29, 2026

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 15, 2020
Property Address	11 SANDY BEACH CT, PALMYRA, VA 22963-3360
Document Number	0200002095
Map Reference	DOC 190000019
Instrument Date	Jun 5, 2020
Instrument	200002095
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
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 SANDY BEACH CT, PALMYRA, VA 22963-3360

Mortgage

Document Number	0200002096
Date	Jun 15, 2020
Instrument	200002096

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 3, 2019
Property Address	11 SANDY BEACH CT, PALMYRA, VA 22963-3360
Document Number	1900019
Map Reference	PB 86 PG 412
Instrument Date	Dec 28, 2018
Instrument	1900019
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	FLUVANNA VA
Recording Date	Mar 8, 2017
Property Address	11 SANDY BEACH CT, PALMYRA, VA 22963-3360
Document Number	0001700728
Map Reference	PB 86 PG 412
Instrument Date	Mar 2, 2017
Instrument	1700728
Transaction Type	Foreclosure
Record Updated	Sep 13, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 REGENT BLVD STE 200, 200, IRVING, TX 75063-2296

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		$345,300 (-) Land $30,000 Building $315,300	$345,300 (-) Land $30,000 Building $315,300
2025	$2,607.00 (+19.64%)	$345,300 (+33.73%) Land $30,000 Building $315,300	$345,300 (+33.73%) Land $30,000 Building $315,300
2023		$258,200 Land $30,000 Building $228,200	$258,200 Land $30,000 Building $228,200
2022	$2,179.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 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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