27 Haversack Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 27 Haversack Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1994
Lot Size	0.367 acres (15,987 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Nov 2021)
Tax Bill	$1,950 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 5 383`

Property Details

APN / Parcel Number

Primary APN	`18A 5 383`
Alternative APN	`3101`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,480 sqft
1st Floor Area	1,144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,987 sqft (0.367 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	144 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3101
Street Address	27 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 210002895 TUFTON-5 LOT 383 16,000 SF
Legal Subdivision	ADDITION ONE PH 5
Legal Block	38
Legal Lot Number	383
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2013
Census Tract	20104

Owner

27 Haversack Rd is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	27 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
Jun 10, 2021	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jun 5, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MEMBER OPTIONS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2021 · Amount on File
Deed Sale	Nov 23, 2021 · Amount on File
Prior Sale	Jun 10, 2021 · Amount on File
Deed Document Number	20215828
Prior Transfer Date	May 27, 2020
Prior Transfer Doc	0000001973
Record Updated	Oct 29, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 10, 2021
Property Address	27 HAVERSACK RD, PALMYRA, VA 22963-2918
Document Number	0210002895
Map Reference	DB 86 PG 402
Instrument Date	Apr 29, 2021
Instrument	210002895
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 HAVERSACK RD, PALMYRA, VA 22963-2918

Mortgage

Document Number	0210002896
Date	Jun 10, 2021
Instrument	210002896

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jun 5, 2020
Property Address	27 HAVERSACK RD, PALMYRA, VA 22963-2918
Document Number	0200001973
Map Reference	DB 843 PG 439
Instrument Date	May 27, 2020
Instrument	200001973
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 HAVERSACK RD, PALMYRA, VA 22963-2918

Mortgage

Document Number	0200001974
Date	Jun 5, 2020
Instrument	200001974

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 27 Haversack Rd was $1,950.

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		$258,400 (-) Land $30,000 Building $228,400	$258,400 (-) Land $30,000 Building $228,400
2025	$1,950.00	$258,400 Land $30,000 Building $228,400	$258,400 Land $30,000 Building $228,400
2023		$175,100 Land $30,000 Building $145,100	$175,100 Land $30,000 Building $145,100
2022	$1,477.00

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

Flood

FEMA maps place 27 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 27 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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