1285 Sclaters Ford Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1285 Sclaters Ford Rd, Palmyra, VA 22963

Property Summary

Property Type	Rural Home
Details	3 bd · 3.5 ba · 2,959 sqft · built 1920
Lot Size	36.9 acres (1,610,892 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Oct 2019)
Tax Bill	$3,094 (2025)
Deeds & Mortgages	Apr 2012 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29 8 B`

Property Details

APN / Parcel Number

Primary APN	`29 8 B`
Alternative APN	`8845`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,959 sqft Living Area
1st Floor Area	1,024 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,610,892 sqft (36.9 acres)
Terrain	Rolling

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	256 sqft
Deck Area	88 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8845
Street Address	1285 SCLATERS FORD RD
City	PALMYRA
State	VA
Zip	22963-5081
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1
Legal Description	INST 190003267 AC 36.9813
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	1
Census Block	1056
Census Tract	20300

Owner

1285 Sclaters Ford Rd, a rural home, is owned and occupied by two individuals who bought it in October 2019.

Source: Fluvanna County records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1285 SCLATERS FORD RD, PALMYRA, VA 22963-5081
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2012	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Dec 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Feb 21, 2012	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Oct 7, 2005	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH MID-ATLANTIC MORTGAGE
Oct 28, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2019 · Amount on File
Deed Sale	Oct 28, 2019 · Amount on File
Deed Document Number	20193267
Record Updated	Sep 20, 2026

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1285 SCLATERS FORD RD, PALMYRA, VA 22963-5081
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000861/666
Date	Apr 3, 2012
Book Page	861/666
Instrument	1201147

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1285 SCLATERS FORD RD, PALMYRA, VA 22963-5081
Transaction Type	Mortgage
Record Updated	Jun 25, 2026
Title Company	FAITH TITLE AND ESCROW INC, FIRST TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210005943
Date	Dec 3, 2021
Instrument	210005943

Lender

Name	NFM INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1285 SCLATERS FORD RD, PALMYRA, VA 22963-5081
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000859/401
Date	Feb 21, 2012
Book Page	859/401
Instrument	1200578

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2022

Interest

Rate	3.25%

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1285 SCLATERS FORD RD, PALMYRA, VA 22963-5081
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000655/701
Date	Oct 7, 2005
Book Page	655/701
Instrument	6968

Lender

Name	COMMONWEALTH MID-ATLANTIC MORTGAGE
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2035

Interest

Rate	5.75%

October 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 28, 2019
Property Address	1285 SCLATERS FORD RD, PALMYRA, VA 22963-5081
Document Number	0001903267
Map Reference	PB 133 PG 501
Instrument Date	Sep 9, 2019
Instrument	1903267
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
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	1285 SCLATERS FORD RD, PALMYRA, VA 22963-5081

Mortgage

Document Number	0001903268
Date	Oct 28, 2019
Instrument	1903268

Lender

Name	NFM INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1285 Sclaters Ford Rd was $3,094.

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		$537,600 (+%) Land $177,700 Building $359,900	$537,600 (+%) Land $177,700 Building $359,900
2025	$3,094.00	$537,575 Land $177,675 Building $359,900	$537,575 Land $177,675 Building $359,900
2023		$454,000 Land $177,700 Building $276,300	$454,000 Land $177,700 Building $276,300
2022	$2,753.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1285 Sclaters Ford Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1285 Sclaters Ford Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 58% of Virginia
Wildfire Likelihood	0.04% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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