120 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 120 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,776 sqft · built 2002
Lot Size	0.612 acres (26,659 sqft)
Owner	Individual Name on Record
Last Sale	$252,000 (Sep 2020)
Tax Bill	$2,567 (2025)
Deeds & Mortgages	Sep 2020 Sale May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 127`

Property Details

APN / Parcel Number

Primary APN	`18A 6 127`
Alternative APN	`2514`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,776 sqft Living Area
Gross Area	2,760 sqft
1st Floor Area	1,568 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,659 sqft (0.612 acres)
Terrain	Rolling
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	312 sqft
Deck Area	288 sqft
Balcony Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2514
Street Address	120 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 200003605 RIVERSIDE-6 LOT 127 26,656 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	12
Legal Lot Number	127
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

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	Individual Name on Record
Mailing Address	120 RIVERSIDE DR, PALMYRA, VA 22963-2027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Bargain and Sale Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
May 31, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	20203605
Record Updated	Sep 20, 2026

September 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 16, 2020
Property Address	120 RIVERSIDE DR, PALMYRA, VA 22963-2027
Document Number	200003605
Map Reference	DB 83 PG 224
Instrument Date	Jul 29, 2020
Instrument	200003605
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$252.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 RIVERSIDE DR, PALMYRA, VA 22963-2027

May 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 31, 2018
Property Address	120 RIVERSIDE DR, PALMYRA, VA 22963-2027
Document Number	1801663
Map Reference	PB 83 PG 225
Instrument Date	Apr 24, 2018
Instrument	1801663
Transaction Type	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	120 RIVERSIDE DR, PALMYRA, VA 22963-2027

Mortgage

Document Number	1801664
Date	May 31, 2018
Instrument	1801664

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$340,100 (-) Land $30,000 Building $310,100	$340,100 (-) Land $30,000 Building $310,100
2025	$2,567.00 (+11.41%)	$340,100 (+24.53%) Land $30,000 Building $310,100	$340,100 (+24.53%) Land $30,000 Building $310,100
2023		$273,100 Land $30,000 Building $243,100	$273,100 Land $30,000 Building $243,100
2022	$2,304.00

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
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

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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