21 Haversack Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 21 Haversack Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1986
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$206,000 (Dec 2018)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 386`

Property Details

APN / Parcel Number

Primary APN	`18A 5 386`
Alternative APN	`8327`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,504 sqft Living Area
Gross Area	3,865 sqft
1st Floor Area	1,504 sqft
Sunroom	Sunroom
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
View / Lot	Corner
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8327
Street Address	21 HAVERSACK RD
City	PALMYRA
State	VA
Zip	22963-2918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210005597 TUFTON-5 LOT 386 21,792 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	38
Legal Lot Number	386
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2013
Census Tract	20104

Owner

Source: Fluvanna County records, 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	2 Individual Names on Record
Mailing Address	21 HAVERSACK RD, PALMYRA, VA 22963-2918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage VIRGINIA CU INC
Sep 13, 2018	Deed, Transfer · Conventional Mortgage CMB MORTGAGE
Dec 21, 2018	Correction Deed FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2018 · Amount on Record
Deed Sale	Dec 21, 2018 · Amount on Record
Prior Sale	Sep 13, 2018 · Amount on Record
Deed Document Number	20183949
Last Transfer Date	Nov 4, 2021
Transfer Doc	0000005597
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Nov 10, 2021
Property Address	21 HAVERSACK RD, PALMYRA, VA 22963-2918
Document Number	0210005597
Map Reference	DB 86 PG 402
Instrument Date	Nov 4, 2021
Instrument	210005597
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 HAVERSACK RD, PALMYRA, VA 22963-2918

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 HAVERSACK RD, PALMYRA, VA 22963-2918

Mortgage

Document Number	0210005598
Date	Nov 10, 2021
Instrument	210005598

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 13, 2018
Property Address	21 HAVERSACK RD, PALMYRA, VA 22963-2918
Document Number	0001802830
Map Reference	PB 86 PG 402
Instrument Date	Aug 24, 2018
Instrument	1802830
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	21 HAVERSACK RD, PALMYRA, VA 22963-2918

Mortgage

Document Number	0001802831
Date	Sep 13, 2018
Instrument	1802831

Lender

Name	CMB MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2018: Correction Deed

Document Type	Correction Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 21, 2018
Property Address	21 HAVERSACK RD, PALMYRA, VA 22963-2918
Document Number	0001803949
Map Reference	PB 402 PG 405
Instrument Date	Aug 24, 2018
Instrument	1803949
Record Updated	Mar 16, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 HAVERSACK RD, PALMYRA, VA 22963-2918

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		$336,000 (+1,001.64%) Land $30,000 Building $306,000	$336,000 (+1,001.64%) Land $30,000 Building $306,000
2025	$2,536.00 (+29.19%)	$30,500 (-86.89%) Land $30,000 Building $500	$30,500 (-86.89%) Land $30,000 Building $500
2023		$232,600 Land $30,000 Building $202,600	$232,600 Land $30,000 Building $202,600
2022	$1,963.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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

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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