101 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 101 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,864 sqft · built 1996
Lot Size	0.346 acres (15,072 sqft)
Owner	Individual Name on Record
Tax Bill	$2,851 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 38`

Property Details

APN / Parcel Number

Primary APN	`18A 6 38`
Alternative APN	`10698`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,864 sqft Living Area
Gross Area	3,332 sqft
1st Floor Area	1,560 sqft
Basement Area	1,060 sqft
Finished Basement	1,060 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	156 sqft
Deck Area	252 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	10698
Street Address	101 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 240002416 RIVERSIDE-6 LOT 38 15,089 SF
Legal Subdivision	LAKE MONTICELLO SUBDIVISION
Legal Block	3
Legal Lot Number	38
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4006
Census Tract	20101

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	Individual Name on Record
Mailing Address	101 RIVERSIDE DR, PALMYRA, VA 22963-2020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE LLC
Sep 16, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 12, 2024
Transfer Doc	0000002416
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	101 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001703870
Date	Dec 4, 2017
Instrument	1703870

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	101 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001803296
Date	Oct 23, 2018
Instrument	1803296

Lender

Name	DITECH FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2033

Interest

Rate Type	Fixed Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	101 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200000774
Date	Mar 4, 2020
Instrument	200000774

Lender

Name	MOVEMENT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

Interest

Rate Type	Fixed Rate

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Sep 16, 2024
Property Address	101 RIVERSIDE DR, PALMYRA, VA 22963-2020
Document Number	0240002416
Map Reference	DB 304 PG 840
Instrument Date	Sep 12, 2024
Instrument	240002416
Transaction Type	Transfer
Record Updated	Jan 19, 2026

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	101 RIVERSIDE DR, PALMYRA, VA 22963-2020

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		$377,700 (-) Land $30,000 Building $347,700	$377,700 (-) Land $30,000 Building $347,700
2025	$2,851.00 (+0.67%)	$377,700 (+31.51%) Land $30,000 Building $347,700	$377,700 (+31.51%) Land $30,000 Building $347,700
2024	$2,832.00 (+16.88%)
2023		$287,200 Land $30,000 Building $257,200	$287,200 Land $30,000 Building $257,200
2022	$2,423.00

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	5 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 133 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: Brightspeed.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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