Fluvanna County property record for 9 Zephyr Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,384 sqft · built 2001 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $256,000 (May 2018) |
| Tax Bill | $2,933 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 8 270 |
| Primary APN | 18A 8 270 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,384 sqft Living Area |
| Gross Area | 4,612 sqft |
| 1st Floor Area | 2,128 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 228 sqft |
| Deck Area | 216 sqft |
| Balcony Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 959 |
|---|---|
| Street Address | 9 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 180001567 NAHOR-8 LOT 270 15,000 SF |
| Legal Subdivision | LAKE MONTICELLO |
| Legal Block | 27 |
| Legal Lot Number | 270 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | RIVANNA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20104 |
Source: Fluvanna County assessment roll, APN 18A 8 270, as of June 25, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 9 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA MTG LLC |
| Jan 06, 2021 | Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE |
| May 24, 2019 | Deed of Trust, Mortgage · VA Mortgage RIVER CITY MORTGAGE |
| May 23, 2018 | Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 23, 2018 · Amount on Record |
| Deed Sale | May 23, 2018 · Amount on Record |
| Prior Sale | Sep 20, 2005 · Amount on Record |
| Deed Document Number | 20181567 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 200002538 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 200002538 |
| Name | FINANCE AMERICA MTG LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 210000071 |
|---|---|
| Date | Jan 06, 2021 |
| Instrument | 210000071 |
| Name | RIVER CITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Feb 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 1901455 |
|---|---|
| Date | May 24, 2019 |
| Instrument | 1901455 |
| Name | RIVER CITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 23, 2018 |
| Property Address | 9 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Document Number | 1801567 |
| Map Reference | PB 89 PG 637 |
| Instrument Date | Apr 20, 2018 |
| Instrument | 1801567 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 ZEPHYR RD, PALMYRA, VA 22963-2738 |
| Document Number | 1801568 |
|---|---|
| Date | May 23, 2018 |
| Instrument | 1801568 |
| Name | MOVEMENT MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Fluvanna County assessment roll as of June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $388,500 (-) Land $30,000 Building $358,500 | $388,500 (-) Land $30,000 Building $358,500 | |
| 2025 | $2,933.00 (+7.32%) | $388,500 (+19.94%) Land $30,000 Building $358,500 | $388,500 (+19.94%) Land $30,000 Building $358,500 |
| 2023 | $323,900 Land $30,000 Building $293,900 | $323,900 Land $30,000 Building $293,900 | |
| 2022 | $2,733.00 |
Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), as of March 25, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510650201043, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 71% of Virginia |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, 264 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Central Virginia Electric Cooperative Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system VA2065480, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE MONTICELLO private · serves 12,943 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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