Fluvanna County property record for 41 Colonial Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,397 sqft · built 1993 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual on Record |
| Last Sale | $484,000 (Dec 2024) |
| Tax Bill | $4,560 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit Dec 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 3 253 |
| Primary APN | 18A 3 253 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,397 sqft Living Area |
| Gross Area | 5,722 sqft |
| 1st Floor Area | 2,197 sqft |
| Basement Area | 2,157 sqft |
| Unfinished Basement | 2,157 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,216 sqft (0.51 acres) |
| Terrain | Rolling |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 210 sqft |
| Deck Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 525 |
|---|---|
| Street Address | 41 COLONIAL RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 240003244 MONTPELIER-3 LOT 253 22,236 SF |
| Legal Subdivision | LAKE MONTICELLO SUBDIVISION |
| Legal Block | 25 |
| Legal Lot Number | 253 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20103 |
Source: Fluvanna County assessment roll, 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 on Record |
|---|---|
| Mailing Address | 41 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2025 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU |
| Dec 13, 2024 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2024 · Amount on Record |
| Deed Sale | Dec 13, 2024 · Amount on Record |
| Prior Sale | Nov 30, 2023 · Amount on Record |
| Deed Document Number | 20243244 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 41 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0250002180 |
|---|---|
| Date | Jul 23, 2025 |
| Instrument | 250002180 |
| Name | UNIVERSITY OF VIRGINIA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTESVILLE, VA 22901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Dec 13, 2024 |
| Property Address | 41 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Document Number | 0240003244 |
| Map Reference | DB 81 PG 551 |
| Instrument Date | Nov 20, 2024 |
| Instrument | 240003244 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $484.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 41 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Document Number | 0240003245 |
|---|---|
| Date | Dec 13, 2024 |
| Instrument | 240003245 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2055 |
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $604,000 (+27.99%) Land $30,000 Building $574,000 | $604,000 (+27.99%) Land $30,000 Building $574,000 | |
| 2025 | $4,560.00 (+28.85%) | $471,900 (+37.1%) Land $30,000 Building $441,900 | $471,900 (+37.1%) Land $30,000 Building $441,900 |
| 2024 | $3,539.00 (+21.82%) | ||
| 2023 | $344,200 Land $30,000 Building $314,200 | $344,200 Land $30,000 Building $314,200 | |
| 2022 | $2,905.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 222 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 |
| Brightspeed DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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