7 Haversack Rd, Palmyra, VA 22963 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$151,500 (Apr 2018)
Tax Bill	$1,775 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 5 320`

Property Details

APN / Parcel Number

Primary APN	`18A 5 320`
Alternative APN	`4712`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,604 sqft
1st Floor Area	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	140 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	4712
Street Address	7 HAVERSACK RD
City	PALMYRA
State	VA
Zip	22963-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200005386 TUFTON-5 LOT 320 15,000 SF
Legal Subdivision	TUFTON ADDITION ONE
Legal Block	32
Legal Lot Number	320
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2009
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	7 HAVERSACK RD, PALMYRA, VA 22963-2917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VA COMMUNITY CU
Dec 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE AMERICA MTG LLC
May 28, 2019	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE
May 29, 2019	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE
Apr 4, 2018	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2018 · Amount on Record
Deed Sale	Apr 4, 2018 · Amount on Record
Prior Sale	Oct 13, 2006 · Amount on Record
Deed Document Number	2018990
Last Transfer Date	Dec 18, 2020
Transfer Doc	0000005386
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220004601
Date	Dec 27, 2022
Instrument	220004601

Lender

Name	UNIVERSITY OF VA COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Dec 28, 2020
Property Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	200005386
Map Reference	DB 86 PG 402
Instrument Date	Dec 18, 2020
Instrument	200005386
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 HAVERSACK RD, 7, PALMYRA, VA 22963-2917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917

Mortgage

Document Number	200005387
Date	Dec 28, 2020
Instrument	200005387

Lender

Name	FINANCE AMERICA MTG LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 28, 2019
Property Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	1901489
Map Reference	PB 86 PG 402
Instrument Date	May 23, 2019
Instrument	1901489
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917

Mortgage

Document Number	1901490
Date	May 28, 2019
Instrument	1901490

Lender

Name	FINANCE OF AMERICA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 29, 2019
Property Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	1901489
Map Reference	PB 86 PG 402
Instrument Date	May 23, 2019
Instrument	1901489
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917

Mortgage

Document Number	1901490
Date	May 29, 2019
Instrument	1901490

Lender

Name	FINANCE OF AMERICA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 4, 2018
Property Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917
Document Number	1800990
Map Reference	PB 86 PG 402
Instrument Date	Mar 26, 2018
Instrument	1800990
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HAVERSACK RD, PALMYRA, VA 22963-2917

Mortgage

Document Number	1800991
Date	Apr 4, 2018
Instrument	1800991

Lender

Name	EMBRACE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$235,200 (-) Land $30,000 Building $205,200	$235,200 (-) Land $30,000 Building $205,200
2025	$1,775.00 (+0.62%)	$235,200 (+22.82%) Land $30,000 Building $205,200	$235,200 (+22.82%) Land $30,000 Building $205,200
2024	$1,764.00 (+9.16%)
2023		$191,500 Land $30,000 Building $161,500	$191,500 Land $30,000 Building $161,500
2022	$1,616.00

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	1 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	0.02% 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 178 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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