1858 Deep Creek Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1858 Deep Creek Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,548 sqft · built 2017
Lot Size	10.2 acres (445,183 sqft)
Owner	Individual Name on Record
Last Sale	$48,875 (Jun 2015)
Tax Bill	$2,816 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21 19 5`

Property Details

APN / Parcel Number

Primary APN	`21 19 5`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
Gross Area	4,236 sqft
1st Floor Area	1,440 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	445,183 sqft (10.2 acres)
Terrain	Rolling
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	494 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1858 DEEP CREEK RD
City	PALMYRA
State	VA
Zip	22963-4765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 941-839 AC 10.22 DEEP CREEK EST
Legal Subdivision	DEEP CREEK EST
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1031
Census Tract	20200

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	1858 DEEP CREEK RD, PALMYRA, VA 22963-4765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · VA Mortgage APEX MORTGAGE CORP
Feb 16, 2018	Deed of Trust, Mortgage · VA Mortgage FIRST HERITAGE MORTGAGE LLC
Jun 27, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST HERITAGE MORTGAGE
Feb 22, 2018	Deed of Trust, Mortgage · VA Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2015 · Amount on Record
Deed Sale	Jun 17, 2015 · Amount on Record
Prior Sale	Jun 17, 2015
Deed Document Number	20151812
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1858 DEEP CREEK RD, PALMYRA, VA 22963-4765
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001294
Date	Mar 15, 2021
Instrument	210001294

Lender

Name	APEX MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1858 DEEP CREEK RD, PALMYRA, VA 22963-4765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1800451
Date	Feb 16, 2018
Instrument	1800451

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1858 DEEP CREEK RD, PALMYRA, VA 22963-4765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1702080
Date	Jun 27, 2017
Instrument	1702080

Lender

Name	FIRST HERITAGE MORTGAGE
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 1, 2018

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1858 DEEP CREEK RD, PALMYRA, VA 22963-4765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1800538
Date	Feb 22, 2018
Instrument	1800538

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

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		$373,100 (-0.01%) Land $82,000 Building $291,100	$373,100 (-0.01%) Land $82,000 Building $291,100
2025	$2,816.00 (+5.75%)	$373,120 (+18.23%) Land $82,000 Building $291,120	$373,120 (+18.23%) Land $82,000 Building $291,120
2023		$315,600 Land $82,000 Building $233,600	$315,600 Land $82,000 Building $233,600
2022	$2,663.00

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	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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 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.

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)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

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

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