21 Rowell Rd, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,140 sqft · built 1986
Lot Size	0.291 acres (12,676 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Nov 2022)
Tax Bill	$1,691 (2025)
Deeds & Mortgages	Nov 2022 Sale Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 8 72`

Property Details

APN / Parcel Number

Primary APN	`18A 8 72`
Alternative APN	`7000002971`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
Gross Area	2,460 sqft
1st Floor Area	1,140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,676 sqft (0.291 acres)
Terrain	Rolling
Deck Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7000002971
Street Address	21 ROWELL RD
City	PALMYRA
State	VA
Zip	22963-2600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220004159 NAHOR-8 LOT 72 12,675 SF
Legal Subdivision	NAHOR
Legal Block	7
Legal Lot Number	72
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2008
Census Tract	20103

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	Individual Name on Record
Mailing Address	21 ROWELL RD, PALMYRA, VA 22963-2600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed, Transfer FIRST AMERICAN TITLE, FIRST VIRGINIA TITLE & ESCRO
Sep 9, 2021	Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2022 · Amount on Record
Deed Sale	Nov 18, 2022 · Amount on Record
Prior Sale	Sep 9, 2021 · Amount on Record
Deed Document Number	20224159
Record Updated	Oct 29, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 18, 2022
Property Address	21 ROWELL RD, PALMYRA, VA 22963-2600
Document Number	0220004159
Map Reference	DB 89 PG 637
Instrument Date	Nov 16, 2022
Instrument	220004159
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST AMERICAN TITLE, FIRST VIRGINIA TITLE & ESCRO

Transaction

Amount	Amount Recorded
Tax	$235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21 ROWELL RD, PALMYRA, VA 22963-2600

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 9, 2021
Property Address	21 ROWELL RD, PALMYRA, VA 22963-2600
Document Number	0210004524
Map Reference	DB 89 PG 637
Instrument Date	Sep 2, 2021
Instrument	210004524
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 ROWELL RD, PALMYRA, VA 22963-2600

Mortgage

Document Number	0210004525
Date	Sep 9, 2021
Instrument	210004525

Lender

Name	ATLANTIC BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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		$224,000 (-) Land $30,000 Building $194,000	$224,000 (-) Land $30,000 Building $194,000
2025	$1,691.00 (+31.6%)	$224,000 (+47.08%) Land $30,000 Building $194,000	$224,000 (+47.08%) Land $30,000 Building $194,000
2023		$152,300 Land $30,000 Building $122,300	$152,300 Land $30,000 Building $122,300
2022	$1,285.00

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	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	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 214 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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