103 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 103 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,217 sqft · built 2004
Lot Size	0.432 acres (18,818 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Sep 2026)
Tax Bill	$3,550 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 39`

Property Details

APN / Parcel Number

Primary APN	`18A 6 39`
Alternative APN	`6718`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,217 sqft Living Area
Gross Area	5,090 sqft
1st Floor Area	2,010 sqft
Basement Area	1,005 sqft
Finished Basement	1,005 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,818 sqft (0.432 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Deck Area	224 sqft
Patio Area	900 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	6718
Street Address	103 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 200002719 RIVERSIDE-6 LOT 39 18,808 SF
Legal Subdivision	RIVERSIDE
Legal Block	3
Legal Lot Number	39
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4006
Census Tract	20101

Owner

103 Riverside Dr is owned and occupied by two individuals who bought it in September 2026.

Source: Fluvanna County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 RIVERSIDE DR, PALMYRA, VA 22963-2020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 3, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Jun 9, 2026	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN
Jul 24, 2020	Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Prior Sale	Jun 9, 2026 · Amount on File
Deed Document Number	20262728
Record Updated	Oct 29, 2026

September 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 3, 2026
Property Address	103 RIVERSIDE DR, PALMYRA, VA 22963-2020
Document Number	0000002728
Instrument Date	Aug 17, 2026
Instrument	20262728
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	TITLE GUARANTY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,480.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RIVERSIDE DR, PALMYRA, VA 22963-2020

Mortgage

Document Number	0000002729,
Date	Sep 3, 2026
Instrument	20262729

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 9, 2026
Property Address	103 RIVERSIDE DR, PALMYRA, VA 22963-2020
Document Number	0000001723
Instrument Date	Jun 5, 2026
Instrument	20261723
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Tax	$48,480.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	103 RIVERSIDE DR, PALMYRA, VA 22963-2020

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 24, 2020
Property Address	103 RIVERSIDE DR, PALMYRA, VA 22963-2020
Document Number	0200002719
Map Reference	DB 82 PG 480
Instrument Date	Jun 30, 2020
Instrument	200002719
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$317.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RIVERSIDE DR, PALMYRA, VA 22963-2020

Mortgage

Document Number	0200002720
Date	Jul 24, 2020
Instrument	200002720

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 103 Riverside Dr was $3,550, 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		$470,200 (-) Land $30,000 Building $440,200	$470,200 (-) Land $30,000 Building $440,200
2025	$3,550.00 (+0.68%)	$470,200 Land $30,000 Building $440,200	$470,200 Land $30,000 Building $440,200
2024	$3,526.00
2023		$354,400 Land $30,000 Building $324,400	$354,400 Land $30,000 Building $324,400
2022	$2,991.00

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

Flood

FEMA maps place 103 Riverside 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	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

Wildfire risk around 103 Riverside Dr is low, with a 0.01% 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	0.01% 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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