124 Bluff Ln, Palmyra, VA 22963 Property Records

Fluvanna County property record for 124 Bluff Ln, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,083 sqft · built 2002
Lot Size	19.6 acres (856,738 sqft)
Owner	Individual Name on Record
Last Sale	$693,000 (Mar 2021)
Tax Bill	$6,322 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9 10 5`

Property Details

APN / Parcel Number

Primary APN	`9 10 5`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,083 sqft Living Area
Gross Area	8,093 sqft
1st Floor Area	2,627 sqft
Basement Area	1,313 sqft
Finished Basement	876 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2009
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	856,738 sqft (19.6 acres)
Terrain	Rolling
View / Lot	Waterfront / Beach
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	1,161 sqft
Deck Area	943 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	124 BLUFF LN
City	PALMYRA
State	VA
Zip	22963-6203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 210001296 AC 19.668 RIVER RUN
Legal Subdivision	RIVER RUN
Legal Block	5
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1015
Census Tract	20104

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	124 BLUFF LN, PALMYRA, VA 22963-6203
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2021 · Amount on Record
Deed Sale	Mar 15, 2021 · Amount on Record
Deed Document Number	20211296
Record Updated	Sep 20, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 15, 2021
Property Address	124 BLUFF LN, PALMYRA, VA 22963-6203
Document Number	210001296
Map Reference	PB 1 PG 264
Instrument Date	Mar 5, 2021
Instrument	210001296
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 BLUFF LN, PALMYRA, VA 22963-6203

Mortgage

Document Number	210001297
Date	Mar 15, 2021
Instrument	210001297

Lender

Name	ATLANTIC BAY MORTGAGE GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0210001298
Date	Mar 15, 2021
Instrument	210001298

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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		$837,400 (+0.01%) Land $134,500 Building $702,900	$837,400 (+0.01%) Land $134,500 Building $702,900
2025	$6,322.00 (+13.46%)	$837,306 (+26.81%) Land $134,500 Building $702,806	$837,306 (+26.81%) Land $134,500 Building $702,806
2023		$660,300 Land $134,500 Building $525,800	$660,300 Land $134,500 Building $525,800
2022	$5,572.00

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	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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Brightspeed, Firefly Fiber Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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