7 Colonial Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 7 Colonial Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 1,524 sqft · built 1992
Lot Size	0.434 acres (18,905 sqft)
Owner	Individual Name on Record
Tax Bill	$2,889 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 3 149`

Property Details

APN / Parcel Number

Primary APN	`18A 3 149`
Alternative APN	`5577`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
Gross Area	3,624 sqft
1st Floor Area	1,524 sqft
Basement Area	1,524 sqft
Finished Basement	1,524 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2004
Architectural Style	Split Foyer
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,905 sqft (0.434 acres)
Terrain	Rolling
Deck Area	576 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5577
Street Address	7 COLONIAL RD
City	PALMYRA
State	VA
Zip	22963-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 240-60 MONTPELIER-3 LOT 149 18,923 SF
Legal Subdivision	MONTPELIER PH 3
Legal Block	14
Legal Lot Number	149
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1001
Census Tract	20103

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	7 COLONIAL RD, PALMYRA, VA 22963-2138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · VA Mortgage CBC NATIONAL BANK
May 5, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 COLONIAL RD, PALMYRA, VA 22963-2138
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001535
Date	Mar 26, 2021
Instrument	210001535

Lender

Name	CBC NATIONAL BANK
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 COLONIAL RD, PALMYRA, VA 22963-2138
Transaction Type	Mortgage
Record Updated	May 27, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001559
Date	May 5, 2020
Instrument	200001559

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2030

Interest

Rate Type	Fixed Rate

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		$382,700 (-) Land $30,000 Building $352,700	$382,700 (-) Land $30,000 Building $352,700
2025	$2,889.00 (+23.04%)	$382,700 (+37.51%) Land $30,000 Building $352,700	$382,700 (+37.51%) Land $30,000 Building $352,700
2023		$278,300 Land $30,000 Building $248,300	$278,300 Land $30,000 Building $248,300
2022	$2,348.00

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	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.

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 257 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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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