265 Main St, Palmyra, VA 22963 Property Records

Fluvanna County property record for 265 Main St, Palmyra, VA 22963

Property Summary

Property Type	Rural Home
Details	3 bd · 3.5 ba · 3,389 sqft · built 2018
Lot Size	8.96 acres (390,428 sqft)
Owner	Individual Name on File
Tax Bill	$7,494 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2018 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`30 A 122`

Property Details

APN / Parcel Number

Primary APN	`30 A 122`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,389 sqft Living Area
Gross Area	10,051 sqft
1st Floor Area	3,044 sqft
Basement Area	2,029 sqft
Finished Basement	2,029 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	390,428 sqft (8.96 acres)
Terrain	Rolling
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	1,142 sqft
Patio Area	1,442 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	265 MAIN ST
City	PALMYRA
State	VA
Zip	22963-4145
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1
Legal Description	INST 180000449 AC 8.963
Legal Block	12
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

265 Main St, a rural home, is owned by an individual who acquired it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 84, PALMYRA, VA 22963-0084
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
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage C & F MORTGAGE CORP
Feb 16, 2018	Intrafamily Transfer, Transfer · Construction Mortgage FULTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 4, 2018
Transfer Doc	0000000449
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	265 MAIN ST, PALMYRA, VA 22963-4145
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001713
Date	May 18, 2020
Instrument	200001713

Lender

Name	C & F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Feb 16, 2018
Property Address	265 MAIN ST, PALMYRA, VA 22963-4145
Document Number	1800449
Map Reference	PB 3 PG 243
Instrument Date	Jan 4, 2018
Instrument	1800449
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 121, FORK UNION, VA 23055-0121

Mortgage

Document Number	1800450
Date	Feb 16, 2018
Instrument	1800450

Lender

Name	FULTON BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 265 Main St was $7,494.

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		$992,600 (-) Land $76,300 Building $916,300	$992,600 (-) Land $76,300 Building $916,300
2025	$7,494.00	$992,600 Land $76,300 Building $916,300	$992,600 Land $76,300 Building $916,300
2023		$723,800 Land $76,300 Building $647,500	$723,800 Land $76,300 Building $647,500
2022	$6,108.00

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

Flood

FEMA maps place 265 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 265 Main St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 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

4G LTE (outdoors only), no 5G reported

Nearby Properties on Main St

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