133 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 133 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,456 sqft · built 2003
Lot Size	0.523 acres (22,782 sqft)
Owner	Individual Name on Record
Last Sale	$244,900 (Feb 2020)
Tax Bill	$2,951 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 139`

Property Details

APN / Parcel Number

Primary APN	`18A 6 139`
Alternative APN	`10164`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	3,116 sqft
1st Floor Area	1,456 sqft
Basement Area	1,456 sqft
Finished Basement	1,456 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	22,782 sqft (0.523 acres)
Terrain	Steep

Exterior Amenities

Porch	Porch
Porch Area	108 sqft
Deck Area	96 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10164
Street Address	133 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	INST 200000586 RIVERSIDE-6 LOT 139 22,787 SF
Legal Subdivision	RIVERSIDE
Legal Block	13
Legal Lot Number	139
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	133 RIVERSIDE DR, PALMYRA, VA 22963-2020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
Apr 21, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE
Feb 19, 2020	Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2020 · Amount on Record
Deed Sale	Feb 19, 2020 · Amount on Record
Prior Sale	Dec 8, 2014 · Amount on Record
Deed Document Number	2020586
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	133 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0260000310
Date	Feb 4, 2026
Instrument	260000310

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Type	Credit Union
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 23, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	133 RIVERSIDE DR, PALMYRA, VA 22963-2020
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001989
Date	Apr 21, 2021
Instrument	210001989

Lender

Name	AMERIHOME MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 19, 2020
Property Address	133 RIVERSIDE DR, PALMYRA, VA 22963-2020
Document Number	2000586
Map Reference	PB 83 PG 224
Instrument Date	Jan 29, 2020
Instrument	2000586
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 RIVERSIDE DR, PALMYRA, VA 22963-2020

Mortgage

Document Number	2000587
Date	Feb 19, 2020
Instrument	2000587

Lender

Name	WATERSTONE MORTGAGE

Agreement

Type	FHA 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		$390,900 (-) Land $28,500 Building $362,400	$390,900 (-) Land $28,500 Building $362,400
2025	$2,951.00 (+24.99%)	$390,900 (+39.71%) Land $28,500 Building $362,400	$390,900 (+39.71%) Land $28,500 Building $362,400
2023		$279,800 Land $28,500 Building $251,300	$279,800 Land $28,500 Building $251,300
2022	$2,361.00

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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