14 Axle Tree Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 14 Axle Tree Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,055 sqft · built 1988
Lot Size	1.21 acres (53,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$414,000 (Aug 2022)
Tax Bill	$3,534 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2013 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 133`

Property Details

APN / Parcel Number

Primary APN	`18A 3 133`
Alternative APN	`10281`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,055 sqft Living Area
Gross Area	5,042 sqft
1st Floor Area	2,009 sqft
Basement Area	2,009 sqft
Unfinished Basement	2,009 sqft
Sunroom	Sunroom
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	53,013 sqft (1.21 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	228 sqft
Patio Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10281
Street Address	14 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	INST 220002855 MONTPELIER-3 LOT 133 53,013 SF
Legal Subdivision	LAKE MONTICELLO SUBDIVISION
Legal Block	13
Legal Lot Number	133
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	2 Individual Names on Record
Mailing Address	14 AXLE TREE RD, PALMYRA, VA 22963-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF VA COMMUNITY CU
Jun 10, 2013	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Aug 3, 2022	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jun 6, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE
Aug 24, 2009	Deed, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Prior Sale	Jun 6, 2019 · Amount on Record
Deed Document Number	20222855
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	14 AXLE TREE RD, PALMYRA, VA 22963-2105
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002592
Date	May 24, 2021
Instrument	210002592

Lender

Name	UNIVERSITY OF VA COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	14 AXLE TREE RD, PALMYRA, VA 22963-2105
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000896/949
Date	Jun 10, 2013
Book Page	896/949
Instrument	1302379

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2043

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 3, 2022
Property Address	14 AXLE TREE RD, PALMYRA, VA 22963-2105
Document Number	0220002855
Map Reference	DB 278 PG 665
Instrument Date	Jul 26, 2022
Instrument	220002855
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$828.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14 AXLE TREE RD, PALMYRA, VA 22963-2105

Mortgage

Document Number	0220002856
Date	Aug 3, 2022
Instrument	220002856

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

June 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 6, 2019
Property Address	14 AXLE TREE RD, PALMYRA, VA 22963-2105
Document Number	0001901598
Map Reference	PB 278 PG 665
Instrument Date	Apr 30, 2019
Instrument	1901598
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC 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	14 AXLE TREE RD, PALMYRA, VA 22963-2105

Mortgage

Document Number	0001901599
Date	Jun 6, 2019
Instrument	1901599

Lender

Name	FINANCE OF AMERICA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 24, 2009
Property Address	14 AXLE TREE RD, PALMYRA, VA 22963-2105
Document Number	000801/176
Book / Page	801 / 176
Map Reference	DD278 PG665
Instrument Date	Aug 17, 2009
Instrument	0903410
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	SOUTHERN TITLE INS CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$323.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15109 HONSENA DR, CENTREVILLE, VA 20120-1419

Mortgage

Document Number	0000903411
Date	Aug 24, 2009
Instrument	0903411

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2039

Interest

Rate	5.37%

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		$468,100 (-) Land $35,200 Building $432,900	$468,100 (-) Land $35,200 Building $432,900
2025	$3,534.00 (+9.72%)	$468,100 (+22.64%) Land $35,200 Building $432,900	$468,100 (+22.64%) Land $35,200 Building $432,900
2023		$381,700 Land $35,200 Building $346,500	$381,700 Land $35,200 Building $346,500
2022	$3,221.00

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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