12 Darby Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 12 Darby Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 1997
Lot Size	0.555 acres (24,176 sqft)
Owner	Individual Name on File
Tax Bill	$2,262 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 87`

Property Details

APN / Parcel Number

Primary APN	`18A 5 87`
Alternative APN	`10335`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	4,445 sqft
1st Floor Area	1,696 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,176 sqft (0.555 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	209 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10335
Street Address	12 DARBY LN
City	PALMYRA
State	VA
Zip	22963-3043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 576-403 TUFTON-5 LOT 87 24,154 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	8
Legal Lot Number	87
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2006
Census Tract	20104

Owner

12 Darby Ln is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	12 DARBY LN, PALMYRA, VA 22963-3043
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
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage DUPONT COMMUNITY CU
Jun 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage DUPONT COMMUNITY CU
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage DUPONT COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	12 DARBY LN, PALMYRA, VA 22963-3043
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210003565
Date	Jul 21, 2021
Instrument	210003565

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	420 Months
Due	Jul 13, 2056

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	12 DARBY LN, PALMYRA, VA 22963-3043
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1701811
Date	Jun 5, 2017
Instrument	1701811

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	420 Months
Due	May 17, 2052

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	12 DARBY LN, PALMYRA, VA 22963-3043
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200004331
Date	Oct 27, 2020
Instrument	200004331

Lender

Name	DUPONT COMMUNITY CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12 Darby Ln was $2,262.

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		$299,700 (-) Land $33,000 Building $266,700	$299,700 (-) Land $33,000 Building $266,700
2025	$2,262.00	$299,700 Land $33,000 Building $266,700	$299,700 Land $33,000 Building $266,700
2023		$248,200 Land $33,000 Building $215,200	$248,200 Land $33,000 Building $215,200
2022	$2,094.00

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

Flood

FEMA maps place 12 Darby Ln 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 12 Darby Ln is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 214 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Darby Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures