18 Horseback Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 18 Horseback Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,344 sqft · built 1980
Lot Size	0.422 acres (18,382 sqft)
Owner	Company Name on File
Tax Bill	$4,955 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 3 571`

Property Details

APN / Parcel Number

Primary APN	`18A 3 571`
Alternative APN	`8955`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	4,630 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	1,344 sqft
Sunroom	Sunroom
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,382 sqft (0.422 acres)
Terrain	Rolling
View / Lot	Waterfront
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	480 sqft
Deck Area	264 sqft
Patio Area	142 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8955
Street Address	18 HORSEBACK LN
City	PALMYRA
State	VA
Zip	22963-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 627-452 MONTPELIER-3 LOT 571 18,401 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	57
Legal Lot Number	571
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

Source: Fluvanna County assessment roll, 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	Company Name on File
Mailing Address	18 HORSEBACK LN, PALMYRA, VA 22963-2106
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Mar 10, 2005
Transfer Doc	627/452
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	18 HORSEBACK LN, PALMYRA, VA 22963-2106
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200004610
Date	Nov 10, 2020
Instrument	200004610

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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		$656,420 (-) Land $190,000 Building $466,420	$656,420 (-) Land $190,000 Building $466,420
2025	$4,955.00 (+0.65%)	$656,420 (+28.33%) Land $190,000 Building $466,420	$656,420 (+28.33%) Land $190,000 Building $466,420
2024	$4,923.00 (+14.04%)
2023		$511,500 Land $190,000 Building $321,500	$511,500 Land $190,000 Building $321,500
2022	$4,317.00

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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

May also be available: T-Mobile USA.

Cell Coverage

5G and 4G LTE (outdoors only)

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