118 Winding River Rd, Fork Union, VA 23055 Property Records

Fluvanna County property record for 118 Winding River Rd, Fork Union, VA 23055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,156 sqft · built 2020
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$47,000 (Aug 2018)
Tax Bill	$3,743 (2025)
Deeds & Mortgages	Dec 2019 Construction Loan Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`53 12 23`

Property Details

APN / Parcel Number

Primary APN	`53 12 23`
Alternative APN	`12907`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,156 sqft Living Area
Gross Area	4,580 sqft
1st Floor Area	896 sqft
Basement Area	1,652 sqft
Unfinished Basement	1,652 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2023
Exterior Material	Logs
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling
Porch	Porch
Deck Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	12907
Street Address	118 WINDING RIVER RD
City	FORK UNION
State	VA
Zip	23055-2147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 180002601 AC 10.0 RIVANNA WOODS
Legal Subdivision	RIVANNA WOODS
Legal Block	2
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	3
Census Block	3009
Census Tract	20200

Owner

Source: Fluvanna County records, as of July 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	102 WAREHAMS PT, WILLIAMSBURG, VA 23185-8913
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2019	Deed of Trust, Mortgage · Construction Mortgage FULTON BANK
Aug 21, 2018	Bargain and Sale Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2018 · Amount on Record
Deed Sale	Aug 21, 2018 · Amount on Record
Deed Document Number	20182601
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	118 WINDING RIVER RD, FORK UNION, VA 23055-2147
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1903788
Date	Dec 11, 2019
Instrument	1903788

Lender

Name	FULTON BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR

August 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 21, 2018
Property Address	118 WINDING RIVER RD, FORK UNION, VA 23055-2147
Document Number	1802601
Map Reference	PB 1 PG 109
Instrument Date	Jul 30, 2018
Instrument	1802601
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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	102 WAREHAMS PT, WILLIAMSBURG, VA 23185-8913

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		$495,800 (-) Land $76,000 Building $419,800	$495,800 (-) Land $76,000 Building $419,800
2025	$3,743.00 (+3.86%)	$495,800 (+16.09%) Land $76,000 Building $419,800	$495,800 (+16.09%) Land $76,000 Building $419,800
2023		$427,100 Land $76,000 Building $351,100	$427,100 Land $76,000 Building $351,100
2022	$3,604.00

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	3 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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