18 Haversack Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 18 Haversack Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1996
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Mar 2019)
Tax Bill	$1,743 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 312`

Property Details

APN / Parcel Number

Primary APN	`18A 5 312`
Alternative APN	`4420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	2,944 sqft
1st Floor Area	1,320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	144 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	4420
Street Address	18 HAVERSACK RD
City	PALMYRA
State	VA
Zip	22963-2919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190000582 TUFTON-5 LOT 312 15,000 SF
Legal Subdivision	ADDITION ONE TUFTON SECTION
Legal Block	31
Legal Lot Number	312
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2010
Census Tract	20104

Owner

18 Haversack Rd is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	18 HAVERSACK RD, PALMYRA, VA 22963-2919
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTA BAY MORTGAGE GROUP
Mar 1, 2019	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Mar 1, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2019 · Amount on File
Deed Sale	Mar 1, 2019 · Amount on File
Deed Document Number	2019582
Prior Transfer Date	May 10, 2007
Prior Transfer Doc	731/290
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	18 HAVERSACK RD, PALMYRA, VA 22963-2919
Transaction Type	Mortgage
Record Updated	Apr 15, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200000817
Date	Mar 9, 2020
Instrument	200000817

Lender

Name	ATLANTA BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2035

Interest

Rate Type	Fixed Rate

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 1, 2019
Property Address	18 HAVERSACK RD, PALMYRA, VA 22963-2919
Document Number	1900582
Map Reference	PB 86 PG 402
Instrument Date	Feb 19, 2019
Instrument	1900582
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 HAVERSACK RD, PALMYRA, VA 22963-2919

Mortgage

Document Number	1900583
Date	Mar 1, 2019
Instrument	1900583

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Mar 1, 2019
Property Address	18 HAVERSACK RD, PALMYRA, VA 22963-2919
Document Number	1900581
Map Reference	PB 86 PG 402
Instrument Date	Oct 31, 2018
Instrument	1900581
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 HAVERSACK RD, PALMYRA, VA 22963-2919

Tax Assessment & Valuation

The 2025 property tax bill for 18 Haversack Rd was $1,743, 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		$230,900 (-) Land $30,000 Building $200,900	$230,900 (-) Land $30,000 Building $200,900
2025	$1,743.00 (+0.69%)	$230,900 Land $30,000 Building $200,900	$230,900 Land $30,000 Building $200,900
2024	$1,731.00
2023		$187,900 Land $30,000 Building $157,900	$187,900 Land $30,000 Building $157,900
2022	$1,585.00

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

Flood

FEMA maps place 18 Haversack 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 18 Haversack 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 178 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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