115 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 115 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,262 sqft · built 1989
Lot Size	0.346 acres (15,072 sqft)
Owner	Individual Name on File
Last Sale	$228,000 (Aug 2021)
Tax Bill	$1,868 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 148`

Property Details

APN / Parcel Number

Primary APN	`18A 6 148`
Alternative APN	`9091`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,262 sqft Living Area
Gross Area	2,502 sqft
1st Floor Area	936 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Terrain	Rolling
Deck Area	64 sqft
Balcony Area	46 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9091
Street Address	115 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 210004140 RIVERSIDE-6 LOT 148 15,081 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	14
Legal Lot Number	148
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

115 Riverside Dr is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	115 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

Date	Document
Aug 18, 2021	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on File
Deed Sale	Aug 18, 2021 · Amount on File
Prior Sale	Jul 10, 2015 · Amount on File
Deed Document Number	20214140
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 18, 2021
Property Address	115 RIVERSIDE DR, PALMYRA, VA 22963-2020
Document Number	210004140
Map Reference	DB 83 PG 225
Instrument Date	Aug 9, 2021
Instrument	210004140
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 RIVERSIDE DR, PALMYRA, VA 22963-2020

Mortgage

Document Number	210004141
Date	Aug 18, 2021
Instrument	210004141

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	115 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200005487
Date	Dec 30, 2020
Instrument	200005487

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 115 Riverside Dr was $1,868.

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		$247,500 (-) Land $30,000 Building $217,500	$247,500 (-) Land $30,000 Building $217,500
2025	$1,868.00	$247,500 Land $30,000 Building $217,500	$247,500 Land $30,000 Building $217,500
2023		$168,200 Land $30,000 Building $138,200	$168,200 Land $30,000 Building $138,200
2022	$1,419.00

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

Flood

FEMA maps place 115 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 115 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	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 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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