15 Horseback Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 15 Horseback Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,572 sqft · built 2000
Lot Size	0.715 acres (31,145 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Jun 2022)
Tax Bill	$4,294 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 3 569`

Property Details

APN / Parcel Number

Primary APN	`18A 3 569`
Alternative APN	`5911`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,572 sqft Living Area
Gross Area	3,974 sqft
1st Floor Area	1,572 sqft
Basement Area	1,572 sqft
Finished Basement	1,572 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,145 sqft (0.715 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Type	Built-in
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	370 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5911
Street Address	15 HORSEBACK LN
City	PALMYRA
State	VA
Zip	22963-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220002047 MONTPELIER-3 LOT 569 31,126 SF
Legal Block	56
Legal Lot Number	569
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

Source: Fluvanna County assessment roll, 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 File
Mailing Address	15 HORSEBACK LN, PALMYRA, VA 22963-2106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Deed Document Number	20222047
Record Updated	Sep 20, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 3, 2022
Property Address	15 HORSEBACK LN, PALMYRA, VA 22963-2106
Document Number	0220002047
Map Reference	DB 380 PG 659
Instrument Date	May 3, 2022
Instrument	220002047
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,060.00
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 HORSEBACK LN, PALMYRA, VA 22963-2106

Mortgage

Document Number	0220002048
Date	Jun 3, 2022
Instrument	220002048

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

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		$568,800 (-) Land $145,000 Building $423,800	$568,800 (-) Land $145,000 Building $423,800
2025	$4,294.00 (+12.97%)	$568,800 (+26.29%) Land $145,000 Building $423,800	$568,800 (+26.29%) Land $145,000 Building $423,800
2023		$450,400 Land $145,000 Building $305,400	$450,400 Land $145,000 Building $305,400
2022	$3,801.00

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

May also be available: T-Mobile USA.

Cell Coverage

5G and 4G LTE (outdoors only)

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