3 Axle Tree Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 3 Axle Tree Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,803 sqft · built 2021
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$317,480 (Nov 2021)
Tax Bill	$2,567 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`18A 3 115`

Property Details

APN / Parcel Number

Primary APN	`18A 3 115`
Alternative APN	`7047`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,803 sqft Living Area
Gross Area	3,455 sqft
1st Floor Area	1,456 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	140 sqft
Balcony Area	11 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7047
Street Address	3 AXLE TREE RD
City	PALMYRA
State	VA
Zip	22963-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210005804 MONTPELIER-3 LOT 115 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	11
Legal Lot Number	115
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

Owner

3 Axle Tree 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	3 AXLE TREE RD, PALMYRA, VA 22963-2105
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
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWN FIRST MORTGAGE
Feb 16, 2018	Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2021 · Amount on File
Deed Sale	Nov 22, 2021 · Amount on File
Prior Sale	Feb 16, 2018 · Amount on File
Deed Document Number	20215804
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3 AXLE TREE RD, PALMYRA, VA 22963-2105
Transaction Type	Mortgage
Record Updated	Jul 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210005805
Date	Nov 22, 2021
Instrument	210005805

Lender

Name	TOWN FIRST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 16, 2018
Property Address	3 AXLE TREE RD, PALMYRA, VA 22963-2105
Document Number	0001800477
Map Reference	PB 80 PG 35
Instrument Date	Feb 15, 2018
Instrument	1800477
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8249 CROWN COLONY PKWY # 100, 100, MECHANICSVILLE, VA 23116-4057

Tax Assessment & Valuation

The 2025 property tax bill for 3 Axle Tree Rd was $2,567.

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		$340,000 (-) Land $30,000 Building $310,000	$340,000 (-) Land $30,000 Building $310,000
2025	$2,567.00	$340,000 Land $30,000 Building $310,000	$340,000 Land $30,000 Building $310,000
2023		$271,600 Land $30,000 Building $241,600	$271,600 Land $30,000 Building $241,600
2022	$2,292.00

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

Flood

FEMA maps place 3 Axle Tree 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	3 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 3 Axle Tree Rd 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 80% of the US · lower than 71% 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.

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 257 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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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