263 Main St, Palmyra, VA 22963 Property Records

Fluvanna County property record for 263 Main St, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 716 sqft · built 1968
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Dec 2025)
Tax Bill	$1,093 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30A A 10`

Property Details

APN / Parcel Number

Primary APN	`30A A 10`
Alternative APN	`1737`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	716 sqft Living Area
Gross Area	1,564 sqft
1st Floor Area	716 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1985
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1737
Street Address	263 MAIN ST
City	PALMYRA
State	VA
Zip	22963-4145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 220002336 AC 0.21
Legal Block	1
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1027
Census Tract	20101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Fluvanna County Courthouse Historic District listed 1971 · 4 contributing resources · NRIS 71000977

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	263 MAIN ST, PALMYRA, VA 22963-4145
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO
Mar 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY VA COMMUNITY CU
Dec 30, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Prior Sale	Jun 27, 2022 · Amount on Record
Deed Document Number	20254009
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	263 MAIN ST, PALMYRA, VA 22963-4145
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001800899
Date	Mar 28, 2018
Instrument	1800899

Lender

Name	BRANCH BANKING & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	263 MAIN ST, PALMYRA, VA 22963-4145
Transaction Type	Mortgage
Record Updated	Jan 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000792
Date	Mar 4, 2022
Instrument	220000792

Lender

Name	UNIVERSITY VA COMMUNITY CU
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2037

Interest

Rate Type	Fixed Rate

December 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 30, 2025
Property Address	263 MAIN ST, PALMYRA, VA 22963-4145
Document Number	0250004009
Instrument Date	Nov 10, 2025
Instrument	250004009
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	263 MAIN ST, PALMYRA, VA 22963-4145

Mortgage

Document Number	0250004010
Date	Dec 30, 2025
Instrument	250004010

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

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		$144,800 (-) Land $17,500 Building $127,300	$144,800 (-) Land $17,500 Building $127,300
2025	$1,093.00 (+0.64%)	$144,800 (+46.71%) Land $17,500 Building $127,300	$144,800 (+46.71%) Land $17,500 Building $127,300
2024	$1,086.00 (+30.37%)
2023		$98,700 Land $17,500 Building $81,200	$98,700 Land $17,500 Building $81,200
2022	$833.00

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	2 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	0.03% 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	PALMYRA private · serves 90 people · EPA ID VA2065540
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Firefly Fiber Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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