173 Cedar Hill Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 173 Cedar Hill Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1977
Lot Size	0.949 acres (41,338 sqft)
Owner	Individual Name on Record
Last Sale	$168,000 (Jul 2008)
Tax Bill	$1,825 (2025)
Deeds & Mortgages	Jul 2008 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29 4 40`

Property Details

APN / Parcel Number

Primary APN	`29 4 40`
Alternative APN	`8768`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,340 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Flooring	Hardwood
Interior Walls	Paneling

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	41,338 sqft (0.949 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	150 sqft
Deck Area	270 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8768
Street Address	173 CEDAR HILL RD
City	PALMYRA
State	VA
Zip	22963-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	WB 73-801 AC 0.949
Legal Subdivision	STAGECOACH HILLS SUBDIVISIO
Legal Block	4
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	4
Census Block	4012
Census Tract	20101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	173 CEDAR HILL RD, PALMYRA, VA 22963-4810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2008 · Amount on Record
Deed Sale	Jul 25, 2008 · Amount on Record
Prior Sale	Feb 5, 2008 · Amount on Record
Deed Document Number	20083525
Deed Book / Page	772 / 290
Prior Transfer Date	Jul 3, 2008
Prior Transfer Doc	772/290
Record Updated	Sep 20, 2026

July 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 25, 2008
Property Address	173 CEDAR HILL RD, PALMYRA, VA 22963-4810
Document Number	772/290
Book / Page	772 / 290
Map Reference	DD101 PG236
Instrument Date	Jul 3, 2008
Instrument	3525
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	173 CEDAR HILL RD, PALMYRA, VA 22963-4810

Mortgage

Document Number	000772/292
Date	Jul 25, 2008
Book Page	772/292
Instrument	3526

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Jul 25, 2046

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		$241,800 (-) Land $35,000 Building $206,800	$241,800 (-) Land $35,000 Building $206,800
2025	$1,825.00 (+0.66%)	$241,800 (+48.71%) Land $35,000 Building $206,800	$241,800 (+48.71%) Land $35,000 Building $206,800
2024	$1,813.00 (+32.14%)
2023		$162,600 Land $35,000 Building $127,600	$162,600 Land $35,000 Building $127,600
2022	$1,372.00

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	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

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

Wildfire Risk	Moderate above 42% of the US · above 69% of Virginia
Wildfire Likelihood	0.05% 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	STAGECOACH HILLS private · serves 70 people · EPA ID VA2065781
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	3 ppb (2022–2024) 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 11 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: Verizon.

Cell Coverage

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

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