Fluvanna County property record for 23 Zephyr Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,522 sqft · built 2002 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Sep 2024) |
| Tax Bill | $2,509 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 8 277 |
| Primary APN | 18A 8 277 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,522 sqft Living Area |
| Gross Area | 3,524 sqft |
| 1st Floor Area | 1,522 sqft |
| Basement Area | 1,522 sqft |
| Unfinished Basement | 1,522 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Terrain | Rolling |
| Garage Type | Built-in |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 280 sqft |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2380 |
|---|---|
| Street Address | 23 ZEPHYR RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 240002318 NAHOR-8 LOT 277 15,000 SF |
| Legal Subdivision | NAHOR |
| Legal Block | 27 |
| Legal Lot Number | 277 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20104 |
23 Zephyr Rd is owned and occupied by an individual who bought it in September 2024.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2024 · Amount on File |
| Deed Sale | Sep 5, 2024 · Amount on File |
| Prior Sale | Aug 4, 2023 · Amount on File |
| Deed Document Number | 20242318 |
| Prior Transfer Date | Apr 25, 2023 |
| Prior Transfer Doc | 0000000235 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 23 Zephyr Rd was $2,509.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $332,400 (-) Land $30,000 Building $302,400 | $332,400 (-) Land $30,000 Building $302,400 | |
| 2025 | $2,509.00 | $332,400 Land $30,000 Building $302,400 | $332,400 Land $30,000 Building $302,400 |
| 2023 | $252,100 Land $30,000 Building $222,100 | $252,100 Land $30,000 Building $222,100 | |
| 2022 | $2,127.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Zephyr Rd in Zone X, an area of minimal flood risk.
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 | 7 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 risk around 23 Zephyr Rd is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 264 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 |
5G (outdoors only) and 4G LTE
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