118 Archer Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 118 Archer Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 2022
Lot Size	0.193 acres (8,407 sqft)
Owner	Individual Name on File
Last Sale	$346,485 (Oct 2022)
Tax Bill	$2,685 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9 15 23`

Property Details

APN / Parcel Number

Primary APN	`9 15 23`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
Gross Area	1,812 sqft
1st Floor Area	1,380 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,407 sqft (0.193 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	118 ARCHER DR
City	PALMYRA
State	VA
Zip	22963-3174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	INST 220003679 AC 0.193 VILLAGE OAKS PHASE 4
Legal Subdivision	VILLAGE OAKS
Legal Phase	4
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1015
Census Tract	20104

Owner

118 Archer Dr is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	118 ARCHER DR, PALMYRA, VA 22963-3174
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FEDERAL CREDIT UNION
Oct 14, 2022	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2022 · Amount on File
Deed Sale	Oct 14, 2022 · Amount on File
Prior Sale	Jul 7, 2022 · Amount on File
Deed Document Number	20223679
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Apr 24, 2026
Property Address	118 ARCHER DR, PALMYRA, VA 22963-3174
Document Number	0000001196
Instrument Date	Apr 4, 2026
Instrument	20261196
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	118 ARCHER DR, PALMYRA, VA 22963-3174

Mortgage

Document Number	0000001196,
Date	Apr 24, 2026
Instrument	20261196

Lender

Name	NORTHWEST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	85 Months
Due	May 1, 2033

Interest

Rate	6%
Max Rate	-1%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 14, 2022
Property Address	PALMYRA, VA 22963
Document Number	0220003679
Map Reference	PB 3 PG 417
Instrument Date	Oct 5, 2022
Instrument	220003679
Transaction Type	Transfer
Record Updated	Nov 3, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 ARCHER DR, PALMYRA, VA 22963-3174

Mortgage

Document Number	0220003682
Date	Oct 14, 2022
Instrument	220003682

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 118 Archer Dr was $2,685, 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		$355,700 (-) Land $55,000 Building $300,700	$355,700 (-) Land $55,000 Building $300,700
2025	$2,685.00 (+0.67%)	$355,700 Land $55,000 Building $300,700	$355,700 Land $55,000 Building $300,700
2024	$2,667.00
2023		$256,700 Land $55,000 Building $201,700	$256,700 Land $55,000 Building $201,700
2022	$2,166.00

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

Flood

FEMA maps place 118 Archer Dr 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	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

Wildfire risk around 118 Archer Dr 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Brightspeed, Firefly Fiber Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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