33 Xebec Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 33 Xebec Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,718 sqft · built 1996
Lot Size	0.388 acres (16,901 sqft)
Owner	Individual Name on Record
Last Sale	$375,900 (Feb 2024)
Tax Bill	$3,201 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 12 54`

Property Details

APN / Parcel Number

Primary APN	`18A 12 54`
Alternative APN	`3900`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,718 sqft Living Area
1st Floor Area	2,016 sqft
Bonus Room	Bonus Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,901 sqft (0.388 acres)
Terrain	Rolling
Porch	Slab
Porch Area	36 sqft
Deck Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3900
Street Address	33 XEBEC RD
City	PALMYRA
State	VA
Zip	22963-2742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240000261 EDGEWOOD-12 LOT 54 16,922 SF
Legal Block	5
Legal Lot Number	54
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3016
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	Individual Name on Record
Mailing Address	33 XEBEC RD, PALMYRA, VA 22963-2742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE CORP
Jul 3, 2025	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Feb 5, 2024	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2024 · Amount on Record
Deed Sale	Feb 5, 2024 · Amount on Record
Deed Document Number	2024261
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	33 XEBEC RD, PALMYRA, VA 22963-2742
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001802088
Date	Jul 5, 2018
Instrument	1802088

Lender

Name	PHH MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	33 XEBEC RD, PALMYRA, VA 22963-2742
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250001996
Date	Jul 3, 2025
Instrument	250001996

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 5, 2024
Property Address	33 XEBEC RD, PALMYRA, VA 22963-2742
Document Number	0240000261
Map Reference	DB 104 PG 114
Instrument Date	Jan 17, 2024
Instrument	240000261
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 XEBEC RD, PALMYRA, VA 22963-2742

Mortgage

Document Number	0240000262
Date	Feb 5, 2024
Instrument	240000262

Lender

Name	PROSPERITY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

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		$424,100 (-) Land $30,000 Building $394,100	$424,100 (-) Land $30,000 Building $394,100
2025	$3,201.00 (+0.66%)	$424,100 (+27.66%) Land $30,000 Building $394,100	$424,100 (+27.66%) Land $30,000 Building $394,100
2024	$3,180.00 (+13.45%)
2023		$332,200 Land $30,000 Building $302,200	$332,200 Land $30,000 Building $302,200
2022	$2,803.00

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	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

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

4G LTE only, no 5G reported

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