28 Haversack Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 28 Haversack Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 2000
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Feb 2026)
Tax Bill	$1,985 (2025)
Deeds & Mortgages	Jun 2005 Mortgage Aug 2007 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 375`

Property Details

APN / Parcel Number

Primary APN	`18A 5 375`
Alternative APN	`3148`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	1,422 sqft
1st Floor Area	1,170 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Patio Area	196 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3148
Street Address	28 HAVERSACK RD
City	PALMYRA
State	VA
Zip	22963-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210003321 TUFTON-5 LOT 375 15,000 SF
Legal Subdivision	TUFTON ADDITION ONE
Legal Block	37
Legal Lot Number	375
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2012
Census Tract	20104

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	2 Individual Names on Record
Mailing Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2005	Deed of Trust, Mortgage · ARM CTX MORTGAGE COMPANY LLC
Aug 31, 2007	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 7, 2005	Deed of Trust, Mortgage · Conventional Mortgage CTX MORTGAGE CO LLC
Oct 27, 2015	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BANK
Feb 26, 2026	Deed, Transfer · Stand-Alone First Mortgage FRANK WHITELEY HOLLOWELL
Feb 26, 2026	Gift Deed, Transfer
Jul 6, 2021	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Jul 6, 2021 · Amount on Record
Deed Document Number	2026571
Record Updated	Sep 20, 2026

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000635/489
Date	Jun 7, 2005
Book Page	635/489
Instrument	3727

Lender

Name	CTX MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	DALLAS, TX 75201

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jul 1, 2010
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.3%
Index	1-Year LIBOR
Max Rate	10.3%

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000742/174
Date	Aug 31, 2007
Book Page	742/174
Instrument	4954

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2037

Interest

Rate	6.12%

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000635/514
Date	Jun 7, 2005
Book Page	635/514
Instrument	3728

Lender

Name	CTX MORTGAGE CO LLC
Type	Mortgage Company
Address	DALLAS, TX 75201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 6, 2020

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001503313
Date	Oct 27, 2015
Instrument	1503313

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2045

Interest

Rate Type	Fixed Rate
Rate	4.38%

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 26, 2026
Property Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920
Document Number	0260000571
Map Reference	MB 86 PG 402-405
Instrument Date	Feb 26, 2026
Instrument	260000571
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920

Mortgage

Document Number	0260000572
Date	Feb 26, 2026
Instrument	260000572

Lender

Name	FRANK WHITELEY HOLLOWELL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 26, 2026
Property Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920
Document Number	0260000570
Map Reference	MB 86 PG 402-405
Instrument Date	Feb 24, 2026
Instrument	260000570
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	560 DRUMIN RD, KESWICK, VA 22947-9217

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 6, 2021
Property Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920
Document Number	0210003321
Map Reference	DB 86 PG 402
Instrument Date	Jun 28, 2021
Instrument	210003321
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$231.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	28 HAVERSACK RD, PALMYRA, VA 22963-2920

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		$263,000 (-) Land $30,000 Building $233,000	$263,000 (-) Land $30,000 Building $233,000
2025	$1,985.00 (+0.66%)	$263,000 (+47.5%) Land $30,000 Building $233,000	$263,000 (+47.5%) Land $30,000 Building $233,000
2024	$1,972.00 (+31.12%)
2023		$178,300 Land $30,000 Building $148,300	$178,300 Land $30,000 Building $148,300
2022	$1,504.00

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

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	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

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.

Nearby Properties on Haversack Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures