27 Zephyr Rd, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,152 sqft · built 2004
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on File
Last Sale	$273,000 (Apr 2024)
Tax Bill	$3,331 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 12 43`

Property Details

APN / Parcel Number

Primary APN	`18A 12 43`
Alternative APN	`3459`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,152 sqft Living Area
Gross Area	2,885 sqft
1st Floor Area	2,128 sqft
Basement Area	1,064 sqft
Finished Basement	1,064 sqft
Unfinished Basement	928 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,987 sqft (0.367 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	228 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3459
Street Address	27 ZEPHYR RD
City	PALMYRA
State	VA
Zip	22963-2738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210003072 EDGEWOOD-12 LOT 43 16,000 SF
Legal Subdivision	EDGEWOOD
Legal Block	4
Legal Lot Number	43
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3001
Census Tract	20104

Owner

27 Zephyr Rd is owned and occupied by two individuals who bought it in April 2024.

Source: Fluvanna County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	27 ZEPHYR RD, PALMYRA, VA 22963-2738
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
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Jun 23, 2021	Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2024 · Amount on File
Deed Sale	Apr 16, 2024 · Amount on File
Prior Sale	Jun 23, 2021 · Amount on File
Deed Document Number	2024870
Prior Transfer Date	Jun 11, 2007
Prior Transfer Doc	0000003682
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	27 ZEPHYR RD, PALMYRA, VA 22963-2738
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002784
Date	Jul 29, 2020
Instrument	200002784

Lender

Name	NFM INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2040

Interest

Rate Type	Fixed Rate

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 23, 2021
Property Address	27 ZEPHYR RD, PALMYRA, VA 22963-2738
Document Number	0210003072
Map Reference	DB 104 PG 113
Instrument Date	Jun 10, 2021
Instrument	210003072
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	27 ZEPHYR RD, PALMYRA, VA 22963-2738

Mortgage

Document Number	0210003073
Date	Jun 23, 2021
Instrument	210003073

Lender

Name	ATLANTIC BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 27 Zephyr Rd was $3,331.

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		$441,200 Land $30,000 Building $411,200	$441,200 Land $30,000 Building $411,200
2025	$3,331.00
2023		$338,000 Land $30,000 Building $308,000	$338,000 Land $30,000 Building $308,000
2022	$2,852.00

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

Flood

FEMA maps place 27 Zephyr 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	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

Wildfire risk around 27 Zephyr 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 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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