Fluvanna County property record for 5 Zephyr Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,400 sqft · built 2021 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $203,750 (Apr 2021) |
| Tax Bill | $1,990 (2025) |
| Deeds & Mortgages | Nov 2021 Transfer Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 8 268 |
| Primary APN | 18A 8 268 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 2,170 sqft |
| 1st Floor Area | 1,400 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Terrain | Rolling |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5004 |
|---|---|
| Street Address | 5 ZEPHYR RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 210001648 NAHOR-8 LOT 268 15,000 SF |
| Legal Block | 26 |
| Legal Lot Number | 268 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20104 |
5 Zephyr Rd is owned and occupied by an individual who bought it in April 2021.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 9, 2021 | Correction Deed |
| Apr 1, 2021 | Deed, Subdivision Related Transfer · FHA Mortgage TOWNE FIRST MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2021 · Amount on File |
| Deed Sale | Apr 1, 2021 · Amount on File |
| Deed Document Number | 20211648 |
| Record Updated | Sep 20, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Nov 9, 2021 |
| Property Address | 5 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Document Number | 0210005574 |
| Map Reference | DB 89 PG 637 |
| Instrument Date | Sep 15, 2021 |
| Instrument | 210005574 |
| Record Updated | Mar 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 1, 2021 |
| Property Address | 5 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Document Number | 0210001648 |
| Map Reference | DB 89 PG 637 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 210001648 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $204.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Document Number | 0210001649 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 210001649 |
| Name | TOWNE FIRST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 5 Zephyr Rd was $1,990.
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 | $263,700 (-) Land $30,000 Building $233,700 | $263,700 (-) Land $30,000 Building $233,700 | |
| 2025 | $1,990.00 | $263,700 Land $30,000 Building $233,700 | $263,700 Land $30,000 Building $233,700 |
| 2023 | $207,000 Land $30,000 Building $177,000 | $207,000 Land $30,000 Building $177,000 | |
| 2022 | $1,747.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Zephyr Rd in Zone X, an area of minimal flood risk.
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 risk around 5 Zephyr Rd is low, with a 0.01% annual chance of 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.
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 142 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 |
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