164 Winding River Rd, Fork Union, VA 23055 Property Records

Fluvanna County property record for 164 Winding River Rd, Fork Union, VA 23055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,268 sqft · built 2012
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$304,000 (Feb 2018)
Tax Bill	$2,665 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53 12 22`

Property Details

APN / Parcel Number

Primary APN	`53 12 22`
Alternative APN	`12906`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
Gross Area	3,859 sqft
1st Floor Area	1,268 sqft
Basement Area	768 sqft
Finished Basement	896 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2019
Exterior Material	Logs
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	184 sqft
Deck Area	539 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12906
Street Address	164 WINDING RIVER RD
City	FORK UNION
State	VA
Zip	23055-2147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 180000407 AC. 10.0 RIVANNA WOODS
Legal Subdivision	RIVANNA WOODS
Legal Block	2
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	3
Census Block	3009
Census Tract	20200

Owner

Source: Fluvanna County records · APN 53 12 22

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	164 WINDING RIVER RD, FORK UNION, VA 23055-2147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 13, 2018 · Amount on Record
Deed Sale	Feb 13, 2018 · Amount on Record
Prior Sale	May 12, 2015 · Amount on Record
Deed Document Number	2018407
Record Updated	Sep 20, 2026

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 13, 2018
Property Address	164 WINDING RIVER RD, FORK UNION, VA 23055-2147
Document Number	1800407
Map Reference	PB 1 PG 109
Instrument Date	Jan 30, 2018
Instrument	1800407
Transaction Type	Transfer
Record Updated	Jul 06, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 WINDING RIVER RD, FORK UNION, VA 23055-2147

Mortgage

Document Number	1800408
Date	Feb 13, 2018
Instrument	1800408

Lender

Name	STATE FARM BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$353,100 (-) Land $68,000 Building $285,100	$353,100 (-) Land $68,000 Building $285,100
2025	$2,665.00 (-1.52%)	$353,100 (+10.1%) Land $68,000 Building $285,100	$353,100 (+10.1%) Land $68,000 Building $285,100
2023		$320,700 Land $76,000 Building $244,700	$320,700 Land $76,000 Building $244,700
2022	$2,706.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 25, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	3 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Based on FCC filings for 8 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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