171 Sclaters Ford Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 171 Sclaters Ford Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,487 sqft · built 2010
Lot Size	2.16 acres (94,090 sqft)
Owner	Individual Name on Record
Last Sale	$199,600 (Jul 2010)
Tax Bill	$2,854 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Sep 2021 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`29 A 49`

Property Details

APN / Parcel Number

Primary APN	`29 A 49`
Alternative APN	`7369`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,487 sqft Living Area
Gross Area	3,299 sqft
1st Floor Area	1,487 sqft
Basement Area	1,487 sqft
Unfinished Basement	1,487 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	94,090 sqft (2.16 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	205 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7369
Street Address	171 SCLATERS FORD RD
City	PALMYRA
State	VA
Zip	22963-5016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 822-283 AC 2.16
Legal Block	4
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	1
Census Block	1056
Census Tract	20300

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	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage UNION BANK & TRUST
Sep 2, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Sep 16, 2008	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Apr 30, 2013	Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 28, 2010	Warranty Deed, Subdivision Related Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE
Jul 28, 2010	Deed, Subdivision Related Transfer FRANKLIN AMERICAN MORTGAGE CO
Mar 2, 2010	Warranty Deed, Transfer
Mar 2, 2010	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2010 · Amount on Record
Deed Sale	Jul 28, 2010 · Amount on Record
Prior Sale	Mar 2, 2010 · Amount on Record
Deed Document Number	20102443
Deed Book / Page	822 / 283
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001700918
Date	Mar 23, 2017
Instrument	1700918

Lender

Name	UNION BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004407
Date	Sep 2, 2021
Instrument	210004407

Lender

Name	CLEARPATH LENDING
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Transaction Type	Mortgage
Record Updated	Jun 25, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016

Mortgage

Document Number	0250003187
Date	Oct 16, 2025
Instrument	250003187

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	PALMYRA, VA 22963

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000775/586
Date	Sep 16, 2008
Book Page	775/586
Instrument	4241

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000893/704
Date	Apr 30, 2013
Book Page	893/704
Instrument	1301799

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2043

July 2010: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 28, 2010
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Document Number	000822/283
Book / Page	822 / 283
Map Reference	DD679 PG701
Instrument Date	Jul 27, 2010
Instrument	2443
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Investor	Possibly a Property Investor

July 2010: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 28, 2010
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Document Number	000822/283
Book / Page	822 / 283
Map Reference	DD813 PG186
Instrument Date	Jul 27, 2010
Instrument	1002443
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 25, 2026
Title Company	OLD REPUBLIC NATL TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Investor	Possibly a Property Investor

Mortgage

Document Number	0001002444
Date	Jul 28, 2010
Instrument	1002444

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2040

March 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 2, 2010
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Document Number	000813/186
Book / Page	813 / 186
Map Reference	DD679 PG701
Instrument Date	Feb 12, 2010
Instrument	0679
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Tax	$59.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9425 RUTLANDSHIRE DR, MECHANICSVILLE, VA 23116-4029

March 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 2, 2010
Property Address	171 SCLATERS FORD RD, PALMYRA, VA 22963-5016
Document Number	000813/186
Book / Page	813 / 186
Instrument Date	Feb 12, 2010
Instrument	1000679
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Tax	$59.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9425 RUTLANDSHIRE DR, MECHANICSVILLE, VA 23116-4029

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		$378,100 (-) Land $35,700 Building $342,400	$378,100 (-) Land $35,700 Building $342,400
2025	$2,854.00 (+13.48%)	$378,100 (+26.88%) Land $35,700 Building $342,400	$378,100 (+26.88%) Land $35,700 Building $342,400
2023		$298,000 Land $35,700 Building $262,300	$298,000 Land $35,700 Building $262,300
2022	$2,515.00

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
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.

Wildfire

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.

Internet Providers

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

Cell Coverage

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

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