673 Cedar Lane Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 673 Cedar Lane Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1992
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$358,500 (May 2026)
Tax Bill	$1,604 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`43 7 6`

Property Details

APN / Parcel Number

Primary APN	`43 7 6`
Alternative APN	`12949`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,448 sqft
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12949
Street Address	673 CEDAR LANE RD
City	PALMYRA
State	VA
Zip	22963-4542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 240000621 AC 2.00 CEDAR LANE VISTAS
Legal Subdivision	CEDAR LANE VISTAS
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	2
Census Block	2025
Census Tract	20200

Owner

Source: Fluvanna County records, as of June 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	673 CEDAR LANE RD, PALMYRA, VA 22963-4542
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed, Transfer · Conventional Mortgage U S BANK N A
Nov 5, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Mar 20, 2024 · Amount on Record
Deed Document Number	20261605
Prior Transfer Date	Nov 1, 2021
Prior Transfer Doc	0000005553
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 29, 2026
Property Address	673 CEDAR LANE RD, PALMYRA, VA 22963-4542
Document Number	0000001605
Instrument Date	May 27, 2026
Instrument	20261605
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,208.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	673 CEDAR LANE RD, PALMYRA, VA 22963-4542
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001606,
Date	May 29, 2026
Instrument	20261606

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Nov 5, 2021
Property Address	673 CEDAR LANE RD, PALMYRA, VA 22963-4542
Document Number	0210005553
Map Reference	DB 692 PG 99
Instrument Date	Nov 1, 2021
Instrument	210005553
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	673 CEDAR LANE RD, PALMYRA, VA 22963-4542

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		$212,500 (-) Land $35,000 Building $177,500	$212,500 (-) Land $35,000 Building $177,500
2025	$1,604.00 (+0.69%)	$212,500 (+61.23%) Land $35,000 Building $177,500	$212,500 (+61.23%) Land $35,000 Building $177,500
2024	$1,593.00 (+43.26%)
2023		$131,800 Land $35,000 Building $96,800	$131,800 Land $35,000 Building $96,800
2022	$1,112.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Claims	5 (1985–1996)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 2 claims

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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