15 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 15 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,408 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$299,000 (Feb 2025)
Tax Bill	$1,967 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 253`

Property Details

APN / Parcel Number

Primary APN	`18A 6 253`
Alternative APN	`2419`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
Gross Area	3,114 sqft
1st Floor Area	1,408 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	30 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2419
Street Address	15 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 250000318 RIVERSIDE-6 LOT 253 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	25
Legal Lot Number	253
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

15 Riverside Dr is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	15 RIVERSIDE DR, PALMYRA, VA 22963-2016
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 4, 2018	Deed of Trust, Mortgage · VA Mortgage RELIANCE FIRST CU
Dec 4, 2020	Deed of Trust, Mortgage · VA Mortgage RELIANCE FIRST CAPITAL LLC
Feb 3, 2025	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2025 · Amount on File
Deed Sale	Feb 3, 2025 · Amount on File
Prior Sale	Aug 1, 2012 · Amount on File
Deed Document Number	2025318
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	15 RIVERSIDE DR, PALMYRA, VA 22963-2016
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001800988
Date	Apr 4, 2018
Instrument	1800988

Lender

Name	RELIANCE FIRST CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	15 RIVERSIDE DR, PALMYRA, VA 22963-2016
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200004989
Date	Dec 4, 2020
Instrument	200004989

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

February 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 3, 2025
Property Address	15 RIVERSIDE DR, PALMYRA, VA 22963-2016
Document Number	0250000318
Map Reference	DB 83 PG 224
Instrument Date	Jan 27, 2025
Instrument	250000318
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 RIVERSIDE DR, PALMYRA, VA 22963-2016

Mortgage

Document Number	0250000319
Date	Feb 3, 2025
Instrument	250000319

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 15 Riverside Dr was $1,967, up 0.7% from the year before.

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		$260,600 (-) Land $30,000 Building $230,600	$260,600 (-) Land $30,000 Building $230,600
2025	$1,967.00 (+0.67%)	$260,600 Land $30,000 Building $230,600	$260,600 Land $30,000 Building $230,600
2024	$1,954.00
2023		$203,100 Land $30,000 Building $173,100	$203,100 Land $30,000 Building $173,100
2022	$1,714.00

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

Flood

FEMA maps place 15 Riverside Dr 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	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

Wildfire risk around 15 Riverside Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 71% 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 257 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

May also be available: T-Mobile.

Cell Coverage

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

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