25 Haversack Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 25 Haversack Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,858 sqft · built 2005
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$296,000 (May 2020)
Tax Bill	$3,468 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 384`

Property Details

APN / Parcel Number

Primary APN	`18A 5 384`
Alternative APN	`7244`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,858 sqft Living Area
Gross Area	5,458 sqft
1st Floor Area	2,520 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Deck Area	424 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7244
Street Address	25 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 200001873 TUFTON-5 LOT 384 15,000 SF
Legal Subdivision	TUFTON ADDITION ONE
Legal Block	38
Legal Lot Number	384
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2013
Census Tract	20104

Owner

25 Haversack Rd is owned and occupied by an individual who bought it in May 2020.

Source: Fluvanna County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
May 28, 2020	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE
Feb 27, 2020	Deed, Transfer
Apr 12, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2020 · Amount on File
Deed Sale	May 28, 2020 · Amount on File
Prior Sale	Feb 27, 2020 · Amount on File
Deed Document Number	20201873
Prior Transfer Date	Jan 25, 2020
Prior Transfer Doc	0000000677
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001882
Date	Apr 15, 2021
Instrument	210001882

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000224
Date	Jan 20, 2022
Instrument	220000224

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 28, 2020
Property Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918
Document Number	0200001873
Map Reference	DB 86 PG 405
Instrument Date	May 6, 2020
Instrument	200001873
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918

Mortgage

Document Number	0200001874
Date	May 28, 2020
Instrument	200001874

Lender

Name	FINANCE OF AMERICA MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 27, 2020
Property Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918
Document Number	200000677
Map Reference	DB 86 PG 405
Instrument Date	Jan 25, 2020
Instrument	200000677
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 12, 2017
Property Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918
Document Number	1701159
Map Reference	PB 86 PG 402
Instrument Date	Mar 30, 2017
Instrument	1701159
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 HAVERSACK RD, PALMYRA, VA 22963-2918

Tax Assessment & Valuation

The 2025 property tax bill for 25 Haversack Rd was $3,468.

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		$459,400 (-) Land $30,000 Building $429,400	$459,400 (-) Land $30,000 Building $429,400
2025	$3,468.00	$459,400 Land $30,000 Building $429,400	$459,400 Land $30,000 Building $429,400
2023		$359,200 Land $30,000 Building $329,200	$359,200 Land $30,000 Building $329,200
2022	$3,031.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 25 Haversack 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	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

Wildfire risk around 25 Haversack 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.

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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