31 Zephyr Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 31 Zephyr Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,128 sqft · built 1997
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jul 2024)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 12 41`

Property Details

APN / Parcel Number

Primary APN	`18A 12 41`
Alternative APN	`3615`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
1st Floor Area	2,128 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	600 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3615
Street Address	31 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 240001762 EDGEWOOD-12 LOT 41 15,000 SF
Legal Subdivision	EDGEWOOD LAKE MONTICELLO
Legal Block	4
Legal Lot Number	41
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3001
Census Tract	20104

Owner

31 Zephyr Rd is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 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
Apr 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Nov 16, 2018	Deed, Transfer · Conventional Mortgage BRANCH BANKING & TRUST CO
Nov 9, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2024 · Amount on File
Deed Sale	Jul 18, 2024 · Amount on File
Prior Sale	Nov 16, 2018 · Amount on File
Deed Document Number	20241762
Prior Transfer Date	Feb 13, 2013
Prior Transfer Doc	0000001454
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	31 ZEPHYR RD, PALMYRA, VA 22963-2738
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001192
Date	Apr 7, 2020
Instrument	200001192

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 16, 2018
Property Address	31 ZEPHYR RD, PALMYRA, VA 22963-2738
Document Number	1803556
Map Reference	PB 104 PG 113
Instrument Date	Oct 22, 2018
Instrument	1803556
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ZEPHYR RD, PALMYRA, VA 22963-2738

Mortgage

Document Number	1803557
Date	Nov 16, 2018
Instrument	1803557

Lender

Name	BRANCH BANKING & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	31 ZEPHYR RD, PALMYRA, VA 22963-2738
Transaction Type	Mortgage
Record Updated	Nov 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1703624
Date	Nov 9, 2017
Instrument	1703624

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 31 Zephyr Rd was $2,768.

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		$366,700 Land $30,000 Building $336,700	$366,700 Land $30,000 Building $336,700
2025	$2,768.00
2023		$294,800 Land $30,000 Building $264,800	$294,800 Land $30,000 Building $264,800
2022	$2,488.00

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

Flood

FEMA maps place 31 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 31 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	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 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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