Fluvanna County property record for 45 Colonial Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1988 |
| Lot Size | 0.496 acres (21,606 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $293,000 (Jul 2024) |
| Tax Bill | $2,101 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 3 51 |
| Primary APN | 18A 3 51 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| Gross Area | 3,260 sqft |
| 1st Floor Area | 1,224 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 21,606 sqft (0.496 acres) |
| Terrain | Rolling |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 92 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2312 |
|---|---|
| Street Address | 45 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 240001705 MONTPELIER-3 LOT 51 21,602 SF |
| Legal Subdivision | MONTPELIER |
| Legal Block | 5 |
| Legal Lot Number | 51 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20103 |
Source: Fluvanna County records, as of August 17, 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 | 45 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · FHA Mortgage C F MORTGAGE CORPORATION |
| Dec 14, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Dec 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage HUD |
| Jun 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2024 · Amount on Record |
| Deed Sale | Jul 10, 2024 · Amount on Record |
| Deed Document Number | 20241705 |
| Prior Transfer Date | Jan 28, 2008 |
| Prior Transfer Doc | 000755/575 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 21, 2026 |
| Property Address | 45 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Document Number | 0000001142 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 20261142 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PREFERRED TITLE |
| Name | Verified Name |
|---|---|
| Address | 45 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Document Number | 0000001142, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 20261142 |
| Name | C F MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.99% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 45 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0220004493 |
|---|---|
| Date | Dec 14, 2022 |
| Instrument | 220004493 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 28, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 45 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0210006041 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 210006041 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 45 COLONIAL RD, PALMYRA, VA 22963-2210 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1901732 |
|---|---|
| Date | Jun 17, 2019 |
| Instrument | 1901732 |
| Name | MOVEMENT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed 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 | $278,400 (-) Land $30,000 Building $248,400 | $278,400 (-) Land $30,000 Building $248,400 | |
| 2025 | $2,101.00 (+0.62%) | $278,400 (+53.14%) Land $30,000 Building $248,400 | $278,400 (+53.14%) Land $30,000 Building $248,400 |
| 2024 | $2,088.00 (+36.11%) | ||
| 2023 | $181,800 Land $30,000 Building $151,800 | $181,800 Land $30,000 Building $151,800 | |
| 2022 | $1,534.00 |
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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