13 Axle Tree Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 13 Axle Tree Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,531 sqft · built 1988
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Dec 2025)
Tax Bill	$2,906 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 128`

Property Details

APN / Parcel Number

Primary APN	`18A 3 128`
Alternative APN	`3622`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,531 sqft Living Area
Gross Area	3,571 sqft
1st Floor Area	1,267 sqft
Basement Area	968 sqft
Finished Basement	748 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.64 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3622
Street Address	13 AXLE TREE RD
City	PALMYRA
State	VA
Zip	22963-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 961-286 MONTPELIER-3 LOT 128 27,890 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	12
Legal Lot Number	128
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

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	13 AXLE TREE RD, PALMYRA, VA 22963-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE
Oct 4, 2024	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Dec 16, 2025	Deed, Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	May 16, 2016 · Amount on Record
Deed Document Number	20253808
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	13 AXLE TREE RD, PALMYRA, VA 22963-2105
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002666
Date	May 27, 2021
Instrument	210002666

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	13 AXLE TREE RD, PALMYRA, VA 22963-2105
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240002587
Date	Oct 4, 2024
Instrument	240002587

Lender

Name	NEWREZ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2054

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 16, 2025
Property Address	13 AXLE TREE RD, PALMYRA, VA 22963-2105
Document Number	0250003808
Map Reference	MB 961 PG 286
Instrument Date	Dec 1, 2025
Instrument	250003808
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 AXLE TREE RD, PALMYRA, VA 22963-2105

Mortgage

Document Number	0250003809
Date	Dec 16, 2025
Instrument	250003809

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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		$384,900 (-) Land $33,000 Building $351,900	$384,900 (-) Land $33,000 Building $351,900
2025	$2,906.00 (+0.69%)	$384,900 (+34.11%) Land $33,000 Building $351,900	$384,900 (+34.11%) Land $33,000 Building $351,900
2024	$2,886.00 (+19.16%)
2023		$287,000 Land $33,000 Building $254,000	$287,000 Land $33,000 Building $254,000
2022	$2,422.00

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
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 257 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: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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