13 Xebec Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 13 Xebec Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,128 sqft · built 1995
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$363,000 (May 2024)
Tax Bill	$2,617 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 8 381`

Property Details

APN / Parcel Number

Primary APN	`18A 8 381`
Alternative APN	`152`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	3,644 sqft
1st Floor Area	2,128 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Patio
Porch Area	180 sqft
Deck Area	80 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	152
Street Address	13 XEBEC RD
City	PALMYRA
State	VA
Zip	22963-2741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240001213 NAHOR-8 LOT 381 15,000 SF
Legal Subdivision	NAHOR
Legal Block	38
Legal Lot Number	381
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3009
Census Tract	20104

Owner

13 Xebec Rd is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	13 XEBEC RD, PALMYRA, VA 22963-2741
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
Oct 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Jun 11, 2019	Deed, Transfer · Conventional Mortgage FULTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2024 · Amount on File
Deed Sale	May 17, 2024 · Amount on File
Prior Sale	Jun 11, 2019 · Amount on File
Deed Document Number	20241213
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	13 XEBEC RD, PALMYRA, VA 22963-2741
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	UNKNOWN, PRESTIGE T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 XEBEC RD, PALMYRA, VA 22963-2741

Mortgage

Document Number	0250003058
Date	Oct 3, 2025
Instrument	250003058

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 11, 2019
Property Address	13 XEBEC RD, PALMYRA, VA 22963-2741
Document Number	1901662
Map Reference	PB 89 PG 637
Instrument Date	Jun 10, 2019
Instrument	1901662
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	13 XEBEC RD, PALMYRA, VA 22963-2741

Mortgage

Document Number	1901663
Date	Jun 11, 2019
Instrument	1901663

Lender

Name	FULTON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 13 Xebec Rd was $2,617.

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		$346,700 (-) Land $30,000 Building $316,700	$346,700 (-) Land $30,000 Building $316,700
2025	$2,617.00	$346,700 Land $30,000 Building $316,700	$346,700 Land $30,000 Building $316,700
2023		$276,700 Land $30,000 Building $246,700	$276,700 Land $30,000 Building $246,700
2022	$2,335.00

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

Flood

FEMA maps place 13 Xebec Rd 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	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.

Wildfire

Wildfire risk around 13 Xebec Rd 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 264 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

Cell Coverage

5G (outdoors only) and 4G LTE

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