125 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 125 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,416 sqft · built 2003
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual on Record
Last Sale	$284,900 (Aug 2005)
Tax Bill	$2,924 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 143`

Property Details

APN / Parcel Number

Primary APN	`18A 6 143`
Alternative APN	`3453`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,416 sqft Living Area
Gross Area	3,544 sqft
1st Floor Area	2,128 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3453
Street Address	125 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	DB 649-492 RIVERSIDE-6 LOT 143 15,000 SF
Legal Subdivision	RIVERSIDE ADDITION ONE
Legal Block	14
Legal Lot Number	143
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

Source: Fluvanna County assessment roll, 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 on Record
Mailing Address	125 RIVERSIDE DR, PALMYRA, VA 22963-2020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Feb 23, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 27, 2017	Deed of Trust, Mortgage · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2005 · Amount on Record
Deed Sale	Aug 30, 2005 · Amount on Record
Deed Document Number	20055975
Deed Book / Page	649 / 492
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	125 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000870
Date	Feb 24, 2021
Instrument	210000870

Lender

Name	NEW DAY FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	125 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000861
Date	Feb 23, 2021
Instrument	210000861

Lender

Name	NEW DAY FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	125 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1703498
Date	Oct 27, 2017
Instrument	1703498

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2032

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		$387,300 (-) Land $30,000 Building $357,300	$387,300 (-) Land $30,000 Building $357,300
2025	$2,924.00 (+9.47%)	$387,300 (+22.37%) Land $30,000 Building $357,300	$387,300 (+22.37%) Land $30,000 Building $357,300
2023		$316,500 Land $30,000 Building $286,500	$316,500 Land $30,000 Building $286,500
2022	$2,671.00

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	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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