114 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 114 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,494 sqft · built 1996
Lot Size	0.485 acres (21,127 sqft)
Owner	Individual Name on File
Last Sale	$238,500 (May 2018)
Tax Bill	$2,986 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 124`

Property Details

APN / Parcel Number

Primary APN	`18A 6 124`
Alternative APN	`1143`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,494 sqft Living Area
Gross Area	5,908 sqft
1st Floor Area	1,650 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,127 sqft (0.485 acres)
Terrain	Rolling
Garage Area	672 sqft
Porch	Porch
Porch Area	544 sqft
Deck Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1143
Street Address	114 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180001638 RIVERSIDE-6 LOT 124 21,109 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	12
Legal Lot Number	124
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

114 Riverside Dr is owned and occupied by an individual who bought it in May 2018.

Source: Fluvanna County records, as of July 21, 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 File
Mailing Address	114 RIVERSIDE DR, PALMYRA, VA 22963-2027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
May 30, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2018 · Amount on File
Deed Sale	May 30, 2018 · Amount on File
Prior Sale	Jan 30, 2013 · Amount on File
Deed Document Number	20181638
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	114 RIVERSIDE DR, PALMYRA, VA 22963-2027
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001738
Date	May 10, 2022
Instrument	220001738

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	480 Months
Due	May 1, 2062

Interest

Rate Type	Fixed Rate

May 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 30, 2018
Property Address	114 RIVERSIDE DR, PALMYRA, VA 22963-2027
Document Number	1801638
Map Reference	PB 82 PG 481
Instrument Date	Apr 30, 2018
Instrument	1801638
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 RIVERSIDE DR, PALMYRA, VA 22963-2027

Mortgage

Document Number	1801639
Date	May 30, 2018
Instrument	1801639

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 114 Riverside Dr was $2,986.

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		$395,500 (-) Land $30,000 Building $365,500	$395,500 (-) Land $30,000 Building $365,500
2025	$2,986.00	$395,500 Land $30,000 Building $365,500	$395,500 Land $30,000 Building $365,500
2023		$328,300 Land $30,000 Building $298,300	$328,300 Land $30,000 Building $298,300
2022	$2,770.00

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

Flood

FEMA maps place 114 Riverside Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 114 Riverside Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 67 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

Cell Coverage

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

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