4 Xebec Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4 Xebec Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,128 sqft · built 1996
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Feb 2026)
Tax Bill	$2,794 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Aug 2019 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`18A 8 396`

Property Details

APN / Parcel Number

Primary APN	`18A 8 396`
Alternative APN	`5849`

Interior

Bedrooms	3 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
Gross Area	5,228 sqft
1st Floor Area	2,128 sqft
Attic	Attic
Attic Area	338 sqft
Flooring	Softwood
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	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	372 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5849
Street Address	4 XEBEC RD
City	PALMYRA
State	VA
Zip	22963-2743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220003524 NAHOR-8 LOT 396 15,000 SF
Legal Subdivision	NAHOR
Legal Block	39
Legal Lot Number	396
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	2 Individual Names on Record
Mailing Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Aug 26, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
May 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage MEMBER OPTIONS LLC
Sep 14, 2009	Deed of Trust, Mortgage · ARM SUNTRUST MORTGAGE INC
May 28, 2010	Deed of Trust, Mortgage UVA CMTY CU INC
Jul 20, 2015	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO
Feb 25, 2026	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 28, 2022	Intrafamily Transfer, Transfer
Jan 4, 2008	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2026 · Amount on Record
Deed Sale	Feb 25, 2026 · Amount on Record
Prior Sale	Sep 28, 2022 · Amount on Record
Deed Document Number	2026537
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001802127
Date	Jul 9, 2018
Instrument	1802127

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001902553
Date	Aug 26, 2019
Instrument	1902553

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001650
Date	May 4, 2022
Instrument	220001650

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000802/667
Date	Sep 14, 2009
Book Page	802/667
Instrument	3675

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Sep 1, 2014
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000818/401
Date	May 28, 2010
Book Page	818/401
Instrument	1710

Lender

Name	UVA CMTY CU INC
Address	CHARLOTTESVILLE, VA 22901

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 30, 2015

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001502166
Date	Jul 20, 2015
Instrument	1502166

Lender

Name	BRANCH BANKING & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 25, 2026
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Document Number	0260000537
Map Reference	MB 89 PG 640
Instrument Date	Feb 4, 2026
Instrument	260000537
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	AURORA TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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	4 XEBEC RD, PALMYRA, VA 22963-2743

Mortgage

Document Number	0260000538
Date	Feb 25, 2026
Instrument	260000538

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Sep 28, 2022
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Document Number	0220003524
Map Reference	DB 753 PG 6
Instrument Date	Sep 13, 2022
Instrument	220003524
Transaction Type	Transfer
Record Updated	Mar 16, 2023

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	Joint Tenants with Right of Survivorship
Address	4 XEBEC RD, PALMYRA, VA 22963-2743

January 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 4, 2008
Property Address	4 XEBEC RD, PALMYRA, VA 22963-2743
Document Number	000753/006
Book / Page	753 / 006
Map Reference	DD89 PG640
Instrument Date	Dec 20, 2007
Instrument	0083
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$257.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 XEBEC RD, PALMYRA, VA 22963-2743

Mortgage

Document Number	000753/008
Date	Jan 4, 2008
Book Page	753/008
Instrument	0084

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

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

Interest

Rate	6.37%

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		$370,100 (-) Land $30,000 Building $340,100	$370,100 (-) Land $30,000 Building $340,100
2025	$2,794.00 (+0.68%)	$370,100 (+21.54%) Land $30,000 Building $340,100	$370,100 (+21.54%) Land $30,000 Building $340,100
2024	$2,775.00 (+8.02%)
2023		$304,500 Land $30,000 Building $274,500	$304,500 Land $30,000 Building $274,500
2022	$2,569.00

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 253 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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