16 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 16 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,344 sqft · built 1997
Lot Size	0.458 acres (19,950 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200 (May 2022)
Tax Bill	$2,688 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 199`

Property Details

APN / Parcel Number

Primary APN	`18A 6 199`
Alternative APN	`3716`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	3,265 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Finished Basement	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,950 sqft (0.458 acres)
Terrain	Rolling
Deck Area	25 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3716
Street Address	16 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220001876 RIVERSIDE-6 LOT 199 19,931 SF
Legal Subdivision	RIVERSIDE LAKE MONTICELLO
Legal Block	19
Legal Lot Number	199
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

16 Riverside Dr is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 RIVERSIDE DR, PALMYRA, VA 22963-2023
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
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF VIRGINIA COMMUNITY CU
May 20, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC UNION BANK
May 23, 2019	Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2022 · Amount on File
Deed Sale	May 20, 2022 · Amount on File
Prior Sale	May 23, 2019 · Amount on File
Deed Document Number	20221876
Transfer Doc	0000000015
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	16 RIVERSIDE DR, PALMYRA, VA 22963-2023
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3300 BERKMAR DR, CHARLOTTESVILLE, VA 22901-1491

Mortgage

Document Number	0250003433
Date	Nov 12, 2025
Instrument	250003433

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 20, 2022
Property Address	16 RIVERSIDE DR, PALMYRA, VA 22963-2023
Document Number	0220001876
Map Reference	DB 83 PG 224
Instrument Date	May 9, 2022
Instrument	220001876
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$623.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16 RIVERSIDE DR, PALMYRA, VA 22963-2023

Mortgage

Document Number	0220001877
Date	May 20, 2022
Instrument	220001877

Lender

Name	ATLANTIC UNION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 23, 2019
Property Address	16 RIVERSIDE DR, PALMYRA, VA 22963-2023
Document Number	0001901442
Map Reference	PB 83 PG 224
Instrument Date	Mar 10, 2019
Instrument	1901442
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount 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	16 RIVERSIDE DR, PALMYRA, VA 22963-2023

Tax Assessment & Valuation

The 2025 property tax bill for 16 Riverside Dr was $2,688.

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		$356,100 (-) Land $30,000 Building $326,100	$356,100 (-) Land $30,000 Building $326,100
2025	$2,688.00	$356,100 Land $30,000 Building $326,100	$356,100 Land $30,000 Building $326,100
2023		$254,900 Land $30,000 Building $224,900	$254,900 Land $30,000 Building $224,900
2022	$2,151.00

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

Flood

FEMA maps place 16 Riverside Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 16 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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