15 Sandy Beach Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 15 Sandy Beach Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 1988
Lot Size	0.464 acres (20,212 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jun 2023)
Tax Bill	$1,972 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 7 111`

Property Details

APN / Parcel Number

Primary APN	`18A 7 111`
Alternative APN	`9269`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
Gross Area	3,152 sqft
1st Floor Area	1,920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,212 sqft (0.464 acres)
Terrain	Rolling
Deck Area	40 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	9269
Street Address	15 SANDY BEACH CT
City	PALMYRA
State	VA
Zip	22963-3360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230001487 CROFTON-7 LOT 111 20,216 SF
Legal Subdivision	CROFTON
Legal Block	11
Legal Lot Number	111
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1015
Census Tract	20104

Owner

Source: Fluvanna County records, as of September 1, 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	15 SANDY BEACH CT, PALMYRA, VA 22963-3360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jul 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jun 2, 2023	Bargain and Sale Deed, Transfer · FHA Mortgage NOVUS HOME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Prior Sale	Mar 8, 2010 · Amount on Record
Deed Document Number	20231487
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Aug 21, 2026
Property Address	15 SANDY BEACH CT, PALMYRA, VA 22963-3360
Document Number	0000002583
Instrument Date	Jul 21, 2026
Instrument	20262583
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SANDY BEACH CT, PALMYRA, VA 22963-3360

Mortgage

Document Number	0000002583,
Date	Aug 21, 2026
Instrument	20262583

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Jul 1, 2053

Interest

Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	15 SANDY BEACH CT, PALMYRA, VA 22963-3360
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003465
Date	Jul 15, 2021
Instrument	210003465

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	15 SANDY BEACH CT, PALMYRA, VA 22963-3360
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002674
Date	Jul 20, 2022
Instrument	220002674

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

June 2023: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 2, 2023
Property Address	15 SANDY BEACH CT, PALMYRA, VA 22963-3360
Document Number	0230001487
Map Reference	DB 86 PG 414
Instrument Date	May 2, 2023
Instrument	230001487
Transaction Type	Transfer
Record Updated	Jul 18, 2023
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	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SANDY BEACH CT, PALMYRA, VA 22963-3360

Mortgage

Document Number	0230001488
Date	Jun 2, 2023
Instrument	230001488

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

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		$261,300 (-) Land $30,000 Building $231,300	$261,300 (-) Land $30,000 Building $231,300
2025	$1,972.00 (+12.17%)	$261,300 (+25.44%) Land $30,000 Building $231,300	$261,300 (+25.44%) Land $30,000 Building $231,300
2023		$208,300 Land $30,000 Building $178,300	$208,300 Land $30,000 Building $178,300
2022	$1,758.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 219 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: Brightspeed, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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