17 Axle Tree Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 17 Axle Tree Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,568 sqft · built 1994
Lot Size	0.662 acres (28,837 sqft)
Owner	2 Individual Names on Record
Last Sale	$456,500 (Jul 2022)
Tax Bill	$3,813 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 3 126`

Property Details

APN / Parcel Number

Primary APN	`18A 3 126`
Alternative APN	`4844`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,568 sqft Living Area
Gross Area	5,952 sqft
1st Floor Area	1,992 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,837 sqft (0.662 acres)
Terrain	Rolling
Garage Area	600 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Deck Area	36 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4844
Street Address	17 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 220002415 MONTPELIER-3 LOT 126 28,821 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	12
Legal Lot Number	126
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	17 AXLE TREE RD, PALMYRA, VA 22963-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2018	Deed of Trust, Mortgage · ARM QUICKEN LOANS INC
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA MTG LLC
Jul 1, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Deed Document Number	20222415
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	17 AXLE TREE RD, PALMYRA, VA 22963-2105
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001803808
Date	Dec 12, 2018
Instrument	1803808

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2024
Min Rate At Change	2.25%
Max Rate At Change	5.99%
Index	1-Year LIBOR

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	17 AXLE TREE RD, PALMYRA, VA 22963-2105
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003545
Date	Jul 20, 2021
Instrument	210003545

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

July 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 1, 2022
Property Address	17 AXLE TREE RD, PALMYRA, VA 22963-2105
Document Number	0220002415
Map Reference	DB 81 PG 551
Instrument Date	May 24, 2022
Instrument	220002415
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	$456.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 AXLE TREE RD, PALMYRA, VA 22963-2105

Mortgage

Document Number	0220002416
Date	Jul 1, 2022
Instrument	220002416

Lender

Name	EMBRACE HOME LOANS INC
Type	Funding / Finance 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		$505,100 (-) Land $33,000 Building $472,100	$505,100 (-) Land $33,000 Building $472,100
2025	$3,813.00 (+13.08%)	$505,100 (+26.4%) Land $33,000 Building $472,100	$505,100 (+26.4%) Land $33,000 Building $472,100
2023		$399,600 Land $33,000 Building $366,600	$399,600 Land $33,000 Building $366,600
2022	$3,372.00

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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