15 Haversack Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 15 Haversack Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 1992
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jun 2022)
Tax Bill	$2,024 (2025)
Deeds & Mortgages	May 2017 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 316`

Property Details

APN / Parcel Number

Primary APN	`18A 5 316`
Alternative APN	`4484`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	3,000 sqft
1st Floor Area	1,638 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Porch	Slab
Porch Area	48 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4484
Street Address	15 HAVERSACK RD
City	PALMYRA
State	VA
Zip	22963-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220002302 TUFTON-5 LOT 316 15,000 SF
Legal Subdivision	TUFTON
Legal Block	31
Legal Lot Number	316
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2009
Census Tract	20104

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	15 HAVERSACK RD, PALMYRA, VA 22963-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage MEMBER OPTIONS LLC
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK
Jun 23, 2022	Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE CORP
May 3, 2021	Deed, Transfer · Conventional Mortgage FULTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2022 · Amount on Record
Deed Sale	Jun 23, 2022 · Amount on Record
Prior Sale	May 3, 2021 · Amount on Record
Deed Document Number	20222302
Prior Transfer Date	Mar 26, 2015
Prior Transfer Doc	0000000920
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	15 HAVERSACK RD, PALMYRA, VA 22963-2917
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001701745
Date	May 31, 2017
Instrument	1701745

Lender

Name	MEMBER OPTIONS LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	15 HAVERSACK RD, PALMYRA, VA 22963-2917
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0210005503
Date	Nov 3, 2021
Instrument	210005503

Lender

Name	FULTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 23, 2022
Property Address	15 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	0220002302
Map Reference	DB 86 PG 402
Instrument Date	Jun 13, 2022
Instrument	220002302
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 HAVERSACK RD, PALMYRA, VA 22963-2917

Mortgage

Document Number	0220002304
Date	Jun 23, 2022
Instrument	220002304

Lender

Name	WINTRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 3, 2021
Property Address	15 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	0210002220
Map Reference	DB 938 PG 728
Instrument Date	Apr 14, 2021
Instrument	210002220
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 HAVERSACK RD, PALMYRA, VA 22963-2917
Investor	Possibly a Property Investor

Mortgage

Document Number	0210002221
Date	May 3, 2021
Instrument	210002221

Lender

Name	FULTON BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$268,100 (-) Land $30,000 Building $238,100	$268,100 (-) Land $30,000 Building $238,100
2025	$2,024.00 (+13.01%)	$268,100 (+26.28%) Land $30,000 Building $238,100	$268,100 (+26.28%) Land $30,000 Building $238,100
2023		$212,300 Land $30,000 Building $182,300	$212,300 Land $30,000 Building $182,300
2022	$1,791.00

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	1 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 178 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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