2 Sandy Beach Ct, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2 Sandy Beach Ct, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,140 sqft · built 1988
Lot Size	0.625 acres (27,225 sqft)
Owner	Individual on Record
Tax Bill	$1,734 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 7 124`

Property Details

APN / Parcel Number

Primary APN	`18A 7 124`
Alternative APN	`2528`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
Gross Area	2,665 sqft
1st Floor Area	1,140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,225 sqft (0.625 acres)
Terrain	Rolling
Deck Area	385 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2528
Street Address	2 SANDY BEACH CT
City	PALMYRA
State	VA
Zip	22963-3360
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210003222 CROFTON-7 LOT 124 27,244 SF
Legal Subdivision	CROFTON LAKE MONTICELLO
Legal Block	12
Legal Lot Number	124
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1015
Census Tract	20104

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	Individual on Record
Mailing Address	2 SANDY BEACH CT, PALMYRA, VA 22963-3360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA MTG LLC
Jun 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE AMERICA MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 24, 2009
Transfer Doc	786/670
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 SANDY BEACH CT, PALMYRA, VA 22963-3360
Transaction Type	Mortgage
Record Updated	Jun 14, 2023
Title Company	AGENTS NATIONAL TITLE INSURANCE COMPANY, AGENTS NATIONAL TITLE INSURA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210003223
Date	Jun 30, 2021
Instrument	210003223

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jun 30, 2021
Property Address	2 SANDY BEACH CT, PALMYRA, VA 22963-3360
Document Number	210003222
Map Reference	DB 86 PG 414
Instrument Date	Apr 26, 2021
Instrument	210003222
Transaction Type	Transfer
Record Updated	Jul 21, 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	2 SANDY BEACH CT, PALMYRA, VA 22963-3360

Mortgage

Document Number	210003223
Date	Jun 30, 2021
Instrument	210003223

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

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

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		$229,800 (-) Land $30,000 Building $199,800	$229,800 (-) Land $30,000 Building $199,800
2025	$1,734.00 (+0.64%)	$229,800 (+46.28%) Land $30,000 Building $199,800	$229,800 (+46.28%) Land $30,000 Building $199,800
2024	$1,723.00 (+30.04%)
2023		$157,100 Land $30,000 Building $127,100	$157,100 Land $30,000 Building $127,100
2022	$1,325.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 219 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: Brightspeed, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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