1015 Sclaters Ford Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1015 Sclaters Ford Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1980
Lot Size	1.06 acres (46,174 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Nov 2010)
Tax Bill	$1,284 (2025)
Deeds & Mortgages	Jan 2005 Mortgage Jul 2008 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`29 5 8`

Property Details

APN / Parcel Number

Primary APN	`29 5 8`
Alternative APN	`4354`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,061 sqft
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	46,174 sqft (1.06 acres)
Deck Area	45 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	4354
Street Address	1015 SCLATERS FORD RD
City	PALMYRA
State	VA
Zip	22963-5013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 772-622 AC 1.06
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	1
Census Block	1056
Census Tract	20300

Owner

1015 Sclaters Ford Rd is owned and occupied by an individual who bought it in November 2010.

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

Owner of Record	Individual Name on File
Mailing Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 27, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY MORTGAGE OF VA INC
Jul 2, 2008	Deed of Trust, Mortgage · FHA Mortgage BRANCH BANKING AND TRUST CO
Jan 20, 2006	Deed of Trust, Mortgage · ARM INDYMAC BANK FSB
Jan 20, 2006	Deed of Trust, Mortgage · Balloon Mortgage INDYMAC BANK FSB
Jul 17, 2009	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LENDMARK MORTGAGE AND FINANCE INC
Oct 12, 2012	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 5, 2010	Special Warranty Deed, Transfer · FHA Mortgage BRANCH BANKING AND TRUST CO
Jul 31, 2008	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU
Jun 6, 2008	Trustee's Deed, Foreclosure
Mar 15, 2005	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2010 · Amount on File
Deed Sale	Nov 5, 2010 · Amount on File
Prior Sale	Jul 31, 2008 · Amount on File
Deed Document Number	20103813
Deed Book / Page	829 / 922
Record Updated	Sep 20, 2026

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000616/496
Date	Jan 27, 2005
Book Page	616/496
Instrument	0516

Lender

Name	FIDELITY MORTGAGE OF VA INC
Address	CHARLOTTE, NC 28203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2035

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000772/624
Date	Jul 2, 2008
Book Page	772/624
Instrument	3597

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2038

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000668/370
Date	Jan 20, 2006
Book Page	668/370
Instrument	0295

Lender

Name	INDYMAC BANK FSB
Type	Bank
Address	PASADENA, CA 91101

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Feb 1, 2008
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	10.7%
Index	6-Month LIBOR
Max Rate	13.7%

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000668/391
Date	Jan 20, 2006
Book Page	668/391
Instrument	0296

Lender

Name	INDYMAC BANK FSB
Type	Bank
Address	PASADENA, CA 91101

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2021

Interest

Rate	12.1%

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000798/257
Date	Jul 17, 2009
Book Page	798/257
Instrument	2863

Lender

Name	LENDMARK MORTGAGE AND FINANCE INC
Address	CHARLOTTESVILLE, VA 22911

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	180 Months
Due	Jul 8, 2024

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000876/141
Date	Oct 12, 2012
Book Page	876/141
Instrument	1203538

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	310 Months
Due	Aug 1, 2038

November 2010: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 5, 2010
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Document Number	000829/922
Book / Page	829 / 922
Map Reference	DD92 PG39
Instrument Date	Jul 24, 2008
Instrument	3813
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIDELITY NATIONAL INSURANCE

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013

Mortgage

Document Number	000829/925
Date	Nov 5, 2010
Book Page	829/925
Instrument	3814

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Aug 1, 2038

July 2008: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 31, 2008
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Document Number	000772/622
Book / Page	772 / 622
Map Reference	DD92 PG39
Instrument Date	Jul 24, 2008
Instrument	3596
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount on Record
Tax	$136.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013

June 2008: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 6, 2008
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Document Number	000768/069
Book / Page	768 / 069
Map Reference	DD668 PG370
Instrument Date	Jun 3, 2008
Instrument	2654
Transaction Type	Foreclosure
Record Updated	Jun 25, 2026

Transaction

Amount	Amount on Record
Tax	$136.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6900 BEATRICE DR # 3RD, KALAMAZOO, MI 49009-9559
Investor	Possibly a Property Investor

March 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 15, 2005
Property Address	1015 SCLATERS FORD RD, PALMYRA, VA 22963-5013
Document Number	000623/078
Book / Page	623 / 078
Map Reference	DD92 PG39
Instrument Date	Mar 9, 2005
Instrument	1634
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount 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	8001 FRANKLIN FARMS DR RM 228, 228, RICHMOND, VA 23229-5108
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1015 Sclaters Ford Rd was $1,284.

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		$170,100 (-) Land $33,000 Building $137,100	$170,100 (-) Land $33,000 Building $137,100
2025	$1,284.00	$170,100 Land $33,000 Building $137,100	$170,100 Land $33,000 Building $137,100
2023		$118,900 Land $33,000 Building $85,900	$118,900 Land $33,000 Building $85,900
2022	$1,003.00

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

Flood

FEMA maps place 1015 Sclaters Ford Rd 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 1015 Sclaters Ford Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

May also be available: Xfinity.

Cell Coverage

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

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