Fluvanna County property record for 148 Sclaters Ford Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,380 sqft · built 1979 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,802 (2025) |
| Deeds & Mortgages | Jan 2006 Line of Credit Feb 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29 A 50A |
| Primary APN | 29 A 50A |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,380 sqft Living Area |
| Gross Area | 4,118 sqft |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Terrain | Rolling |
| Porch | Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 634 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 8079 |
|---|---|
| Street Address | 148 SCLATERS FORD RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-5050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | DB 451-229 AC 2.0 |
| Legal Block | 5 |
| Legal Lot Number | A |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | FORK UNION |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 20300 |
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 | 148 SCLATERS FORD RD, PALMYRA, VA 22963-5050 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2006 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Feb 10, 2016 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 148 SCLATERS FORD RD, PALMYRA, VA 22963-5050 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000666/553 |
|---|---|
| Date | Jan 4, 2006 |
| Book Page | 666/553 |
| Instrument | 0027 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 148 SCLATERS FORD RD, PALMYRA, VA 22963-5050 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001600343 |
|---|---|
| Date | Feb 10, 2016 |
| Instrument | 1600343 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 9, 2046 |
| Rate Type | Fixed Rate |
|---|
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $371,222 (-) Land $35,000 Building $336,222 | $371,222 (-) Land $35,000 Building $336,222 | |
| 2025 | $2,802.00 (+9.28%) | $371,222 (+22.19%) Land $35,000 Building $336,222 | $371,222 (+22.19%) Land $35,000 Building $336,222 |
| 2023 | $303,800 Land $35,000 Building $268,800 | $303,800 Land $35,000 Building $268,800 | |
| 2022 | $2,564.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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