78 Archer Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 78 Archer Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 2022
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Aug 2025)
Tax Bill	$3,133 (2025)
Deeds & Mortgages	Aug 2025 Sale Mar 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9 15 27`

Property Details

APN / Parcel Number

Primary APN	`9 15 27`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
Gross Area	2,300 sqft
1st Floor Area	1,736 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,754 sqft (0.178 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	78 ARCHER DR
City	PALMYRA
State	VA
Zip	22963-3175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	INST 240000533 AC 0.178 VILLAGE OAKS PHASE 4
Legal Subdivision	VILLAGE OAKS
Legal Phase	4
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1015
Census Tract	20104

Owner

78 Archer Dr is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	78 ARCHER DR, PALMYRA, VA 22963-3175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2025	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO
Mar 8, 2024	Gift Deed, Transfer LAKESIDE TITLE AND ESCROW LLC, LAKESIDE TITLE & ESCROW LLC
Nov 18, 2022	Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	Sep 15, 2023 · Amount on File
Deed Document Number	20252638
Prior Transfer Date	Feb 2, 2024
Prior Transfer Doc	0000000533
Record Updated	Sep 20, 2026

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 29, 2025
Property Address	78 ARCHER DR, PALMYRA, VA 22963-3175
Document Number	0250002638
Map Reference	MB 3 PG 417-421
Instrument Date	Aug 21, 2025
Instrument	250002638
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$420.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	78 ARCHER DR, PALMYRA, VA 22963-3175

March 2024: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 8, 2024
Property Address	78 ARCHER DR, PALMYRA, VA 22963-3175
Document Number	0240000533
Map Reference	PB 3 PG 417
Instrument Date	Feb 2, 2024
Instrument	240000533
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	LAKESIDE TITLE AND ESCROW LLC, LAKESIDE TITLE & ESCROW LLC

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	78 ARCHER DR, PALMYRA, VA 22963-3175

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 18, 2022
Property Address	78 ARCHER DR, PALMYRA, VA 22963-3175
Document Number	0220004170
Map Reference	PB 3 PG 417
Instrument Date	Nov 7, 2022
Instrument	220004170
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 ARCHER DR, PALMYRA, VA 22963-3175

Mortgage

Document Number	0220004171
Date	Nov 18, 2022
Instrument	220004171

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 78 Archer Dr was $3,133, up 0.7% from the year before.

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		$415,000 (-) Land $55,000 Building $360,000	$415,000 (-) Land $55,000 Building $360,000
2025	$3,133.00 (+0.67%)	$415,000 Land $55,000 Building $360,000	$415,000 Land $55,000 Building $360,000
2024	$3,112.00
2023		$295,700 Land $55,000 Building $240,700	$295,700 Land $55,000 Building $240,700
2022	$2,495.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 78 Archer Dr 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	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

Wildfire risk around 78 Archer Dr is low, with a 0.02% 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	0.02% 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Brightspeed, Firefly Fiber Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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