132 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 132 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,144 sqft · built 2003
Lot Size	1.07 acres (46,740 sqft)
Owner	Individual Name on Record
Last Sale	$282,000 (Sep 2021)
Tax Bill	$2,786 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 135`

Property Details

APN / Parcel Number

Primary APN	`18A 6 135`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,144 sqft Living Area
Gross Area	3,432 sqft
1st Floor Area	1,568 sqft
Basement Area	784 sqft
Unfinished Basement	784 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	46,740 sqft (1.07 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	168 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

Street Address	132 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	INST 210004854 RIVERSIDE-6 LOT 135 SQ FT 46,723
Legal Subdivision	LAKE MONTICELLO
Legal Block	13
Legal Lot Number	135
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	132 RIVERSIDE DR, PALMYRA, VA 22963-2028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Sep 24, 2021	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Jan 21, 2010 · Amount on Record
Deed Document Number	20214854
Deed Book / Page	810 / 626
Prior Transfer Date	Jan 12, 2010
Prior Transfer Doc	000811/199
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	132 RIVERSIDE DR, PALMYRA, VA 22963-2028
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250003406
Date	Nov 6, 2025
Instrument	250003406

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	9.62%

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 24, 2021
Property Address	132 RIVERSIDE DR, PALMYRA, VA 22963-2028
Document Number	0210004854
Map Reference	DB 475 PG 314
Instrument Date	Sep 10, 2021
Instrument	210004854
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 RIVERSIDE DR, PALMYRA, VA 22963-2028

Mortgage

Document Number	0210004855
Date	Sep 24, 2021
Instrument	210004855

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

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		$369,100 (-0.19%) Land $30,000 Building $339,100	$369,100 (-0.19%) Land $30,000 Building $339,100
2025	$2,786.00 (+13.02%)	$369,800 (+26.6%) Land $30,700 Building $339,100	$369,800 (+26.6%) Land $30,700 Building $339,100
2023		$292,100 Land $30,700 Building $261,400	$292,100 Land $30,700 Building $261,400
2022	$2,465.00

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 100 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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