16 Rowell Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 16 Rowell Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,982 sqft · built 1993
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,804 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jun 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18A 8 62`

Property Details

APN / Parcel Number

Primary APN	`18A 8 62`
Alternative APN	`8979`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,982 sqft Living Area
Gross Area	4,894 sqft
1st Floor Area	2,912 sqft
Basement Area	1,456 sqft
Finished Basement	1,456 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Terrain	Rolling
Deck Area	24 sqft
Putting Green	Putting Green

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8979
Street Address	16 ROWELL RD
City	PALMYRA
State	VA
Zip	22963-2600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 368-685 NAHOR-8 LOT 62 19,164 SF
Legal Subdivision	PHASE EIGHT-NAHOR LAKE MONTICELLO
Legal Block	6
Legal Lot Number	62
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2004
Census Tract	20103

Owner

16 Rowell Rd is owner-occupied and held in a trust since June 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	16 ROWELL RD, PALMYRA, VA 22963-2600
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2025	Deed of Trust, Mortgage · Line of Credit VIRGINIA CU INC
Jun 10, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 9, 2025
Transfer Doc	0000001717
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	16 ROWELL RD, PALMYRA, VA 22963-2600
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 ROWELL RD, PALMYRA, VA 22963-2600

Mortgage

Document Number	0250002514
Date	Aug 20, 2025
Instrument	250002514

Lender

Name	VIRGINIA CU INC
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 30, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jun 10, 2025
Property Address	16 ROWELL RD, PALMYRA, VA 22963-2600
Document Number	0250001717
Map Reference	DB 368 PG 685
Instrument Date	Jun 9, 2025
Instrument	250001717
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 ROWELL RD, PALMYRA, VA 22963-2600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 ROWELL RD, PALMYRA, VA 22963-2600

Tax Assessment & Valuation

The 2025 property tax bill for 16 Rowell Rd was $3,804, up 0.7% from the year before.

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		$503,900 (-) Land $30,000 Building $473,900	$503,900 (-) Land $30,000 Building $473,900
2025	$3,804.00 (+0.66%)	$503,900 Land $30,000 Building $473,900	$503,900 Land $30,000 Building $473,900
2024	$3,779.00
2023		$367,900 Land $30,000 Building $337,900	$367,900 Land $30,000 Building $337,900
2022	$3,105.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16 Rowell Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 16 Rowell Rd is low, with a 0.01% annual chance of 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	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 214 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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