Fluvanna County property record for 13 Highland Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,368 sqft · built 2001 |
| Lot Size | 0.453 acres (19,733 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $284,000 (Aug 2005) |
| Tax Bill | $3,032 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 8 263 |
| Primary APN | 18A 8 263 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,368 sqft Living Area |
| Gross Area | 3,676 sqft |
| 1st Floor Area | 1,368 sqft |
| Basement Area | 1,368 sqft |
| Finished Basement | 1,368 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,733 sqft (0.453 acres) |
| Terrain | Rolling |
| View / Lot | Corner |
| Garage Type | Built-in |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 280 sqft |
| Deck Area | 200 sqft |
| Patio Area | 460 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 1407 |
|---|---|
| Street Address | 13 HIGHLAND RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 250000296 NAHOR-8 LOT 263 19,738 SF |
| Legal Subdivision | NAHOR |
| Legal Block | 26 |
| Legal Lot Number | 263 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20104 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 13 HIGHLAND RD, PALMYRA, VA 22963-2735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jan 31, 2025 | Transfer on Death Deed, Transfer |
| Jan 31, 2025 | Gift Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2005 · Amount on Record |
| Deed Sale | Aug 30, 2005 · Amount on Record |
| Deed Document Number | 20055963 |
| Deed Book / Page | 649 / 407 |
| Last Transfer Date | Jan 23, 2025 |
| Transfer Doc | 0000000297 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 13 HIGHLAND RD, PALMYRA, VA 22963-2735 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200003383 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 200003383 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 13 HIGHLAND RD, PALMYRA, VA 22963-2735 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200001687 |
|---|---|
| Date | May 15, 2020 |
| Instrument | 200001687 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jan 31, 2025 |
| Property Address | 13 HIGHLAND RD, PALMYRA, VA 22963-2735 |
| Document Number | 0250000297 |
| Map Reference | DB 89 PG 640 |
| Instrument Date | Jan 23, 2025 |
| Instrument | 250000297 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13 HIGHLAND RD, PALMYRA, VA 22963-2735 |
| Name | Verified Name |
|---|
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jan 31, 2025 |
| Property Address | 13 HIGHLAND RD, PALMYRA, VA 22963-2735 |
| Document Number | 0250000296 |
| Map Reference | DB 89 PG 640 |
| Instrument Date | Jan 23, 2025 |
| Instrument | 250000296 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13 HIGHLAND RD, PALMYRA, VA 22963-2735 |
| Name | Verified Name |
|---|---|
| Address | 13 HIGHLAND RD, PALMYRA, VA 22963-2735 |
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $401,700 (-) Land $30,000 Building $371,700 | $401,700 (-) Land $30,000 Building $371,700 | |
| 2025 | $3,032.00 (+0.66%) | $401,700 (+39.82%) Land $30,000 Building $371,700 | $401,700 (+39.82%) Land $30,000 Building $371,700 |
| 2024 | $3,012.00 (+24.26%) | ||
| 2023 | $287,300 Land $30,000 Building $257,300 | $287,300 Land $30,000 Building $257,300 | |
| 2022 | $2,424.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 7 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 142 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 |
| Verizon Fixed Wireless | 300 / 20 |
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