1043 Deep Creek Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1043 Deep Creek Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,604 sqft · built 2019
Lot Size	2.02 acres (88,122 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,250 (Jun 2019)
Tax Bill	$2,339 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`21 22 3`

Property Details

APN / Parcel Number

Primary APN	`21 22 3`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,604 sqft Living Area
Gross Area	2,592 sqft
1st Floor Area	1,584 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	88,122 sqft (2.02 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	100 sqft
Balcony Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1043 DEEP CREEK RD
City	PALMYRA
State	VA
Zip	22963-4664
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 190001583 AC 2.023 SANDRIDGE
Legal Subdivision	SANDRIDGE
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1029
Census Tract	20200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1043 DEEP CREEK RD, PALMYRA, VA 22963-4664
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 5, 2018	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2019 · Amount on Record
Deed Sale	Jun 6, 2019 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	20191583
Record Updated	Sep 20, 2026

June 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 6, 2019
Property Address	1043 DEEP CREEK RD, PALMYRA, VA 22963-4664
Document Number	1901583
Map Reference	PB 3 PG 2
Instrument Date	Mar 28, 2019
Instrument	1901583
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
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
Address	1043 DEEP CREEK RD, PALMYRA, VA 22963-4664

Mortgage

Document Number	1901584
Date	Jun 6, 2019
Instrument	1901584

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 5, 2018
Property Address	1043 DEEP CREEK RD, PALMYRA, VA 22963-4664
Document Number	1801719
Map Reference	PB 3 PG 2
Instrument Date	May 4, 2018
Instrument	1801719
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8249 CROWN COLONY PKWY # 100, 100, MECHANICSVILLE, VA 23116-4057

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		$309,900 (-) Land $45,000 Building $264,900	$309,900 (-) Land $45,000 Building $264,900
2025	$2,339.00 (+13.82%)	$309,900 (+27.22%) Land $45,000 Building $264,900	$309,900 (+27.22%) Land $45,000 Building $264,900
2023		$243,600 Land $45,000 Building $198,600	$243,600 Land $45,000 Building $198,600
2022	$2,055.00

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	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% 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 10 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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