13 Zephyr Rd, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 2018
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$289,900 (Apr 2026)
Tax Bill	$1,947 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 8 272`

Property Details

APN / Parcel Number

Primary APN	`18A 8 272`
Alternative APN	`3438`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,370 sqft
1st Floor Area	1,440 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Porch	Slab
Porch Area	90 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	3438
Street Address	13 ZEPHYR RD
City	PALMYRA
State	VA
Zip	22963-2738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190000673 NAHOR-8 LOT 272 15,000 SF
Legal Subdivision	NAHOR PH 8
Legal Block	27
Legal Lot Number	272
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3001
Census Tract	20104

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 ZEPHYR RD, PALMYRA, VA 22963-2738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Apr 24, 2026	Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Mar 11, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 7, 2017	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Mar 11, 2019 · Amount on Record
Deed Document Number	20261198
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	13 ZEPHYR RD, PALMYRA, VA 22963-2738
Transaction Type	Mortgage
Record Updated	Jun 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003104
Date	Jun 24, 2021
Instrument	210003104

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 24, 2026
Property Address	13 ZEPHYR RD, PALMYRA, VA 22963-2738
Document Number	0000001198
Instrument Date	Apr 13, 2026
Instrument	2026.1198
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,279.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 ZEPHYR RD, PALMYRA, VA 22963-2738

Mortgage

Document Number	0000001199,
Date	Apr 24, 2026
Instrument	2026..1199

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

March 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 11, 2019
Property Address	13 ZEPHYR RD, PALMYRA, VA 22963-2738
Document Number	1900673
Map Reference	PB 89 PG 637
Instrument Date	Feb 19, 2019
Instrument	1900673
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
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 ZEPHYR RD, PALMYRA, VA 22963-2738

Mortgage

Document Number	1900674
Date	Mar 11, 2019
Instrument	1900674

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 7, 2017
Property Address	13 ZEPHYR RD, PALMYRA, VA 22963-2738
Document Number	1702537
Map Reference	PB 89 PG 637
Instrument Date	Jul 25, 2017
Instrument	1702537
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8249 CROWN COLONY PKWY, MECHANICSVILLE, VA 23116-4057

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		$258,000 (-) Land $30,000 Building $228,000	$258,000 (-) Land $30,000 Building $228,000
2025	$1,947.00 (+0.62%)	$258,000 (+26.66%) Land $30,000 Building $228,000	$258,000 (+26.66%) Land $30,000 Building $228,000
2024	$1,935.00 (+12.57%)
2023		$203,700 Land $30,000 Building $173,700	$203,700 Land $30,000 Building $173,700
2022	$1,719.00

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	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

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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