Fluvanna County property record for 20 Colonial Rd, Palmyra, VA 22963 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,566 sqft · built 1998 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $354,900 (Sep 2025) |
| Tax Bill | $2,132 (2025) |
| Deeds & Mortgages | Aug 2005 Second Mortgage Aug 2005 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 3 194 |
| Primary APN | 18A 3 194 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,566 sqft Living Area |
| Gross Area | 3,850 sqft |
| 1st Floor Area | 1,566 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Terrain | Rolling |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 126 sqft |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 4544 |
|---|---|
| Street Address | 20 COLONIAL RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INST 210005057 MONTPELIER-3 LOT 194 15,000 SF |
| Legal Subdivision | MONTPELIER ADDITION ONE |
| Legal Block | 19 |
| Legal Lot Number | 194 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 20103 |
Source: Fluvanna County records · APN 18A 3 194
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 | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2005 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GMAC MORTGAGE CORP |
| Aug 24, 2005 | Deed of Trust, Mortgage · Conventional Mortgage GMAC MORTGAGE CORP |
| May 05, 2006 | Deed of Trust, Mortgage · ARM SUNTRUST MORTGAGE INC |
| Sep 15, 2025 | Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP |
| Oct 06, 2021 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Sep 01, 2020 | Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE |
| Sep 13, 2019 | Bargain and Sale Deed, Transfer · Conventional Mortgage USAA FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on Record |
| Deed Sale | Sep 15, 2025 · Amount on Record |
| Prior Sale | Oct 06, 2021 · Amount on Record |
| Deed Document Number | 20252808 |
| Prior Transfer Date | Feb 03, 2009 |
| Prior Transfer Doc | 000787/157 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000648/319 |
|---|---|
| Date | Aug 24, 2005 |
| Book Page | 648/319 |
| Instrument | 5774 |
| Name | GMAC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 01, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000648/300 |
|---|---|
| Date | Aug 24, 2005 |
| Book Page | 648/300 |
| Instrument | 5773 |
| Name | GMAC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | COSTA MESA, CA 92626 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2035 |
| Rate | 6% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000681/776 |
|---|---|
| Date | May 05, 2006 |
| Book Page | 681/776 |
| Instrument | 2561 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Jun 01, 2011 |
| Change Frequency | Annually |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 11.7% |
| Index | 1-Year LIBOR |
| Max Rate | 11.7% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Sep 15, 2025 |
| Property Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0250002808 |
| Map Reference | MB 81 PG 551-553 |
| Instrument Date | Sep 10, 2025 |
| Instrument | 250002808 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | ACQUISITION TTL & STLMT AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $355.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0250002809 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 250002809 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Oct 06, 2021 |
| Property Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0210005057 |
| Map Reference | DB 81 PG 551 |
| Instrument Date | Sep 27, 2021 |
| Instrument | 210005057 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0210005058 |
|---|---|
| Date | Oct 06, 2021 |
| Instrument | 210005058 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Sep 01, 2020 |
| Property Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0200003368 |
| Map Reference | DB 81 PG 551 |
| Instrument Date | Aug 24, 2020 |
| Instrument | 200003368 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0200003369 |
|---|---|
| Date | Sep 01, 2020 |
| Instrument | 200003369 |
| Name | FIRST HERITAGE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Sep 13, 2019 |
| Property Address | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0001902757 |
| Map Reference | PB 81 PG 551 |
| Instrument Date | Aug 15, 2019 |
| Instrument | 1902757 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO 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 | 20 COLONIAL RD, PALMYRA, VA 22963-2141 |
| Document Number | 0001902758 |
|---|---|
| Date | Sep 13, 2019 |
| Instrument | 1902758 |
| Name | USAA FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.88% |
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 | $282,500 (-) Land $30,000 Building $252,500 | $282,500 (-) Land $30,000 Building $252,500 | |
| 2025 | $2,132.00 (+0.66%) | $282,500 (+21.87%) Land $30,000 Building $252,500 | $282,500 (+21.87%) Land $30,000 Building $252,500 |
| 2024 | $2,118.00 (+8.28%) | ||
| 2023 | $231,800 Land $30,000 Building $201,800 | $231,800 Land $30,000 Building $201,800 | |
| 2022 | $1,956.00 |
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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