128 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 128 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,463 sqft · built 1988
Lot Size	0.469 acres (20,430 sqft)
Owner	2 Individual Names on Record
Last Sale	$174,000 (Jul 2017)
Tax Bill	$2,027 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 133`

Property Details

APN / Parcel Number

Primary APN	`18A 6 133`
Alternative APN	`10976`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,463 sqft Living Area
Gross Area	3,340 sqft
1st Floor Area	1,463 sqft
Bonus Room	Bonus Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,430 sqft (0.469 acres)
Terrain	Rolling
View / Lot	Corner

Exterior Amenities

Porch	Slab
Porch Area	174 sqft
Shed	1 Shed
Gazebo	Gazebo

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10976
Street Address	128 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 990-410 RIVERSIDE-6 LOT 133 20,422 SF
Legal Subdivision	RIVERSIDE ADDITION ONE
Legal Block	13
Legal Lot Number	133
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	2 Individual Names on Record
Mailing Address	128 RIVERSIDE DR, PALMYRA, VA 22963-2028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC UNION BANK
Jul 10, 2017	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2017 · Amount on Record
Deed Sale	Jul 10, 2017 · Amount on Record
Prior Sale	Feb 15, 2007 · Amount on Record
Deed Document Number	20172187
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	128 RIVERSIDE DR, PALMYRA, VA 22963-2028
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002847
Date	Oct 13, 2023
Instrument	230002847

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2053

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 10, 2017
Property Address	128 RIVERSIDE DR, PALMYRA, VA 22963-2028
Document Number	1702187
Map Reference	PB 83 PG 226
Instrument Date	Jun 19, 2017
Instrument	1702187
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 RIVERSIDE DR, PALMYRA, VA 22963-2028

Mortgage

Document Number	1702188
Date	Jul 10, 2017
Instrument	1702188

Lender

Name	ATLANTIC COAST MORTGAGE

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		$268,500 (-) Land $30,000 Building $238,500	$268,500 (-) Land $30,000 Building $238,500
2025	$2,027.00 (+7.88%)	$268,500 (+20.57%) Land $30,000 Building $238,500	$268,500 (+20.57%) Land $30,000 Building $238,500
2023		$222,700 Land $30,000 Building $192,700	$222,700 Land $30,000 Building $192,700
2022	$1,879.00

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 93% of the US · lower than 95% 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

No cell data coverage reported

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