5 Xebec Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 5 Xebec Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 1999
Lot Size	0.449 acres (19,558 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Sep 2022)
Tax Bill	$2,442 (2025)
Deeds & Mortgages	Sep 2022 Sale Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 8 385`

Property Details

APN / Parcel Number

Primary APN	`18A 8 385`
Alternative APN	`9673`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,616 sqft Living Area
Gross Area	3,956 sqft
1st Floor Area	1,616 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,558 sqft (0.449 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9673
Street Address	5 XEBEC RD
City	PALMYRA
State	VA
Zip	22963-2741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220003413 NAHOR-8 LOT 385 19,549 SF
Legal Subdivision	FAIRWAY
Legal Block	38
Legal Lot Number	385
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3009
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	5 XEBEC RD, PALMYRA, VA 22963-2741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Jun 28, 2021	Bargain and Sale Deed, Transfer · Conventional Mortgage FULTON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Prior Sale	Jun 28, 2021 · Amount on Record
Deed Document Number	20223413
Prior Transfer Date	Jan 23, 2007
Prior Transfer Doc	0000000811
Record Updated	Sep 20, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 19, 2022
Property Address	5 XEBEC RD, PALMYRA, VA 22963-2741
Document Number	0220003413
Map Reference	DB 89 PG 637
Instrument Date	Aug 25, 2022
Instrument	220003413
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 XEBEC RD, PALMYRA, VA 22963-2741

June 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 28, 2021
Property Address	5 XEBEC RD, PALMYRA, VA 22963-2741
Document Number	0210003171
Map Reference	DB 89 PG 637
Instrument Date	Jun 28, 2021
Instrument	210003171
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 XEBEC RD, PALMYRA, VA 22963-2741

Mortgage

Document Number	0210003172
Date	Jun 28, 2021
Instrument	210003172

Lender

Name	FULTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2036
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.75%
Index	Other
Margin	3

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		$323,500 (-) Land $30,000 Building $293,500	$323,500 (-) Land $30,000 Building $293,500
2025	$2,442.00 (+9.56%)	$323,500 (+22.49%) Land $30,000 Building $293,500	$323,500 (+22.49%) Land $30,000 Building $293,500
2023		$264,100 Land $30,000 Building $234,100	$264,100 Land $30,000 Building $234,100
2022	$2,229.00

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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