109 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 109 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 1993
Lot Size	0.66 acres (28,750 sqft)
Owner	Individual Name on File
Last Sale	$179,000 (Nov 2020)
Tax Bill	$1,669 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 42`

Property Details

APN / Parcel Number

Primary APN	`18A 6 42`
Alternative APN	`6781`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
Gross Area	2,790 sqft
1st Floor Area	1,336 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Terrain	Rolling
Porch	Slab
Porch Area	104 sqft
Balcony Area	14 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6781
Street Address	109 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 200004703 RIVERSIDE-6 LOT 42 28,759 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	4
Legal Lot Number	42
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4006
Census Tract	20101

Owner

109 Riverside Dr is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	109 RIVERSIDE DR, PALMYRA, VA 22963-2020
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Deed Document Number	20204703
Record Updated	Sep 20, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 16, 2020
Property Address	109 RIVERSIDE DR, PALMYRA, VA 22963-2020
Document Number	0200004703
Map Reference	DB 82 PG 480
Instrument Date	Nov 11, 2020
Instrument	200004703
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 RIVERSIDE DR, PALMYRA, VA 22963-2020
Investor	Possibly a Property Investor

Mortgage

Document Number	0200004704
Date	Nov 16, 2020
Instrument	200004704

Lender

Name	DUPONT MORTGAGE CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 Riverside Dr was $1,669.

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		$221,100 (-) Land $30,000 Building $191,100	$221,100 (-) Land $30,000 Building $191,100
2025	$1,669.00	$221,100 Land $30,000 Building $191,100	$221,100 Land $30,000 Building $191,100
2023		$180,100 Land $30,000 Building $150,100	$180,100 Land $30,000 Building $150,100
2022	$1,520.00

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

Flood

FEMA maps place 109 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 109 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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