Fluvanna County property record for 44 Colonial Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,122 sqft · built 1996 |
| Lot Size | 0.463 acres (20,168 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,425 (2025) |
| Deeds & Mortgages | May 2026 Transfer Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 3 52 |
| Primary APN | 18A 3 52 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,122 sqft Living Area |
| Gross Area | 5,598 sqft |
| 1st Floor Area | 2,400 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,168 sqft (0.463 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 318 sqft |
| Deck Area | 284 sqft |
| Balcony Area | 24 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 7824 |
|---|---|
| Street Address | 44 COLONIAL RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | DB 288-838 MONTPELIER-3 LOT 52 20,162 SF |
| Legal Subdivision | MONTPELIER PH 3 |
| Legal Block | 5 |
| Legal Lot Number | 52 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20103 |
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 Company Names on Record |
|---|---|
| Mailing Address | 44 COLONIAL RD, PALMYRA, VA 22963-2207 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 26, 2026 | Gift Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE |
| Jul 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE |
| May 31, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 20, 2026 |
| Transfer Doc | 0000001562 |
| Record Updated | Sep 20, 2026 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 26, 2026 |
| Property Address | 44 COLONIAL RD, PALMYRA, VA 22963-2207 |
| Document Number | 0000001562 |
| Instrument Date | May 20, 2026 |
| Instrument | 20261562 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 44 COLONIAL RD, PALMYRA, VA 22963-2207 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 44 COLONIAL RD, PALMYRA, VA 22963-2207 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 210000939 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 210000939 |
| Name | FINANCE OF AMERICA MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 44 COLONIAL RD, PALMYRA, VA 22963-2207 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 1902133 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 1902133 |
| Name | FINANCE OF AMERICA MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 44 COLONIAL RD, PALMYRA, VA 22963-2207 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2018 |
| Name | Verified Name |
|---|
| Document Number | 1801666 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 1801666 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $453,700 (-) Land $30,000 Building $423,700 | $453,700 (-) Land $30,000 Building $423,700 | |
| 2025 | $3,425.00 (+16.06%) | $453,700 (+29.74%) Land $30,000 Building $423,700 | $453,700 (+29.74%) Land $30,000 Building $423,700 |
| 2023 | $349,700 Land $30,000 Building $319,700 | $349,700 Land $30,000 Building $319,700 | |
| 2022 | $2,951.00 |
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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