35 Zephyr Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 35 Zephyr Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 2,086 sqft · built 1997
Lot Size	0.436 acres (18,992 sqft)
Owner	Individual Name on Record
Last Sale	$417,700 (May 2022)
Tax Bill	$3,263 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2008 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 12 39`

Property Details

APN / Parcel Number

Primary APN	`18A 12 39`
Alternative APN	`5886`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,086 sqft Living Area
1st Floor Area	1,916 sqft
Basement Area	1,080 sqft
Finished Basement	1,080 sqft
Flooring	Carpet
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	18,992 sqft (0.436 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	122 sqft
Deck Area	380 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5886
Street Address	35 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 230002057 EDGEWOOD-12 LOT 39 19,000 SF
Legal Subdivision	EDGEWOOD
Legal Block	3
Legal Lot Number	39
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3001
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	35 ZEPHYR RD, PALMYRA, VA 22963-2738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 16, 2008	Deed of Trust, Mortgage · Conventional Mortgage NATIONWIDE ADVANTAGE MORTGAGE CO
Aug 4, 2005	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 10, 2012	Deed of Trust, Mortgage · Conventional Mortgage NATIONWIDE ADVANTAGE MORTGAGE CO
Jul 28, 2023	Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	May 24, 2013 · Amount on Record
Deed Document Number	20221691
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	35 ZEPHYR RD, PALMYRA, VA 22963-2738
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200002623
Date	Jul 20, 2020
Instrument	200002623

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	35 ZEPHYR RD, PALMYRA, VA 22963-2738
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000762/746
Date	Apr 16, 2008
Book Page	762/746
Instrument	1738

Lender

Name	NATIONWIDE ADVANTAGE MORTGAGE CO
Type	Mortgage Company
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2038

Interest

Rate	7.75%

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	35 ZEPHYR RD, PALMYRA, VA 22963-2738
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000645/339
Date	Aug 4, 2005
Book Page	645/339
Instrument	5256

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Jun 29, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	35 ZEPHYR RD, PALMYRA, VA 22963-2738
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000858/830
Date	Feb 10, 2012
Book Page	858/830
Instrument	1200460

Lender

Name	NATIONWIDE ADVANTAGE MORTGAGE CO
Type	Mortgage Company
Address	DES MOINES, IA 50391

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2042

Interest

Rate	5.12%

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 28, 2023
Property Address	35 ZEPHYR RD, PALMYRA, VA 22963-2738
Document Number	0230002057
Map Reference	DB 104 PG 113
Instrument Date	Jul 21, 2023
Instrument	230002057
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 ZEPHYR RD, PALMYRA, VA 22963-2738
Investor	Possibly a Property Investor

Mortgage

Document Number	0230002058
Date	Jul 28, 2023
Instrument	230002058

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

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		$432,300 (+34.25%) Land $30,000 Building $402,300	$432,300 (+34.25%) Land $30,000 Building $402,300
2025	$3,263.00 (+20.1%)
2023		$322,000 Land $30,000 Building $292,000	$322,000 Land $30,000 Building $292,000
2022	$2,717.00

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	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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