Fluvanna County property record for 18 Colonial Rd, Palmyra, VA 22963 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,976 sqft · built 1997 |
| Lot Size | 0.437 acres (19,036 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,000 (Aug 2019) |
| Tax Bill | $3,331 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 3 195 |
| Primary APN | 18A 3 195 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,976 sqft Living Area |
| Gross Area | 3,864 sqft |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,320 sqft |
| Finished Basement | 858 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,036 sqft (0.437 acres) |
| Terrain | Rolling |
| Garage Type | Built-in |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 168 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5155 |
|---|---|
| Street Address | 18 COLONIAL RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INST 190002638 MONTPELIER-3 LOT 195 19,052 SF |
| Legal Subdivision | ADDITION ONE MONTPELIER SECTION |
| Legal Block | 19 |
| Legal Lot Number | 195 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 20103 |
Source: Fluvanna County records · APN 18A 3 195
Assessment roll updated June 25, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 18 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO |
| Aug 30, 2019 | Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 30, 2019 · Amount on Record |
| Deed Sale | Aug 30, 2019 · Amount on Record |
| Prior Sale | Feb 24, 2011 · Amount on Record |
| Deed Document Number | 20192638 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 18 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 210005175 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 210005175 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 18 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 200004346 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 200004346 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Aug 30, 2019 |
| Property Address | 18 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 1902638 |
| Map Reference | PB 81 PG 551 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 1902638 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 1902639 |
|---|---|
| Date | Aug 30, 2019 |
| Instrument | 1902639 |
| Name | MOVEMENT MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $441,300 (-) Land $30,000 Building $411,300 | $441,300 (-) Land $30,000 Building $411,300 | |
| 2025 | $3,331.00 (+20.25%) | $441,300 (+34.42%) Land $30,000 Building $411,300 | $441,300 (+34.42%) Land $30,000 Building $411,300 |
| 2023 | $328,300 Land $30,000 Building $298,300 | $328,300 Land $30,000 Building $298,300 | |
| 2022 | $2,770.00 |
Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510650201031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 222 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Central Virginia Electric Cooperative | Fiber | 1,000 / 1,000 |
| Brightspeed | DSL | 140 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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