24 Xebec Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 24 Xebec Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,582 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,000 (Oct 2025)
Tax Bill	$2,043 (2025)
Deeds & Mortgages	Apr 2008 Mortgage Jun 2005 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 12 64`

Property Details

APN / Parcel Number

Primary APN	`18A 12 64`
Alternative APN	`9611`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,582 sqft Living Area
1st Floor Area	1,568 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	1,435 sqft

Exterior Amenities

Porch	Slab
Porch Area	156 sqft
Deck Area	144 sqft
Balcony Area	14 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9611
Street Address	24 XEBEC RD
City	PALMYRA
State	VA
Zip	22963-2746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200002126 EDGEWOOD-12 LOT 64 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	6
Legal Lot Number	64
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3001
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	24 XEBEC RD, PALMYRA, VA 22963-2746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2008	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 1, 2005	Deed of Trust, Mortgage · ARM SUNSHINE MORTGAGE CORP
Oct 29, 2025	Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 17, 2020	Deed, Transfer · Conventional Mortgage FULTON BANK
Mar 12, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Jun 17, 2020 · Amount on Record
Deed Document Number	20253310
Record Updated	Oct 29, 2026

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	24 XEBEC RD, PALMYRA, VA 22963-2746
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000762/001
Date	Apr 8, 2008
Book Page	762/001
Instrument	1569

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2038

Interest

Rate	6%

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	24 XEBEC RD, PALMYRA, VA 22963-2746
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000634/701
Date	Jun 1, 2005
Book Page	634/701
Instrument	3563

Lender

Name	SUNSHINE MORTGAGE CORP
Type	Lending Institution
Address	MARIETTA, GA 30065

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Jun 1, 2012
Change Frequency	Annually
Min Rate At Change	22.5%
Max Rate At Change	10.1%
Index	1-Year LIBOR
Max Rate	10.1%

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 29, 2025
Property Address	24 XEBEC RD, PALMYRA, VA 22963-2746
Document Number	0250003310
Instrument Date	Oct 6, 2025
Instrument	250003310
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.60
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	24 XEBEC RD, PALMYRA, VA 22963-2746

Mortgage

Document Number	0250003311
Date	Oct 29, 2025
Instrument	250003311

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 17, 2020
Property Address	24 XEBEC RD, PALMYRA, VA 22963-2746
Document Number	0200002126
Map Reference	DB 104 PG 114
Instrument Date	Jun 10, 2020
Instrument	200002126
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 XEBEC RD, PALMYRA, VA 22963-2746

Mortgage

Document Number	0200002127
Date	Jun 17, 2020
Instrument	200002127

Lender

Name	FULTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

March 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 12, 2019
Property Address	24 XEBEC RD, PALMYRA, VA 22963-2746
Document Number	1900683
Map Reference	PB 104 PG 114
Instrument Date	Feb 7, 2019
Instrument	1900683
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	24 XEBEC RD, PALMYRA, VA 22963-2746

Mortgage

Document Number	1900684
Date	Mar 12, 2019
Instrument	1900684

Lender

Name	WINTRUST MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$270,600 (-) Land $30,000 Building $240,600	$270,600 (-) Land $30,000 Building $240,600
2025	$2,043.00 (+0.69%)	$270,600 (+25.92%) Land $30,000 Building $240,600	$270,600 (+25.92%) Land $30,000 Building $240,600
2024	$2,029.00 (+11.91%)
2023		$214,900 Land $30,000 Building $184,900	$214,900 Land $30,000 Building $184,900
2022	$1,813.00

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	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

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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