1964 Sclaters Ford Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1964 Sclaters Ford Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,456 sqft · built 2005
Lot Size	15.3 acres (667,905 sqft)
Owner	Individual Name on Record
Tax Bill	$5,113 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`29 A 36C`

Property Details

APN / Parcel Number

Primary APN	`29 A 36C`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,456 sqft Living Area
Gross Area	7,028 sqft
1st Floor Area	2,304 sqft
Basement Area	2,304 sqft
Unfinished Basement	2,304 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	667,905 sqft (15.3 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	1,008 sqft
Deck Area	100 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1964 SCLATERS FORD RD
City	PALMYRA
State	VA
Zip	22963-5019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 387-152 AC 15.333
Legal Block	3
Legal Lot Number	C
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	1
Census Block	1039
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	1964 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE LLC
May 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 10, 2015	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO
Aug 1, 2005	Deed of Trust, Mortgage COLONIAL FARM CREDIT ACA
Jan 30, 2013	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Jan 4, 2006	Deed of Trust, Mortgage UVA COMMUNITY CU INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1964 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210001128
Date	Mar 8, 2021
Instrument	210001128

Lender

Name	FILO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1964 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250001464
Date	May 20, 2025
Instrument	250001464

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2045

December 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1964 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001503813
Date	Dec 10, 2015
Instrument	1503813

Lender

Name	BRANCH BANKING & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1964 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000644/700
Date	Aug 1, 2005
Book Page	644/700
Instrument	5121

Lender

Name	COLONIAL FARM CREDIT ACA
Address	MECHANICSVILLE, VA 23111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2035

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1964 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000885/614
Date	Jan 30, 2013
Book Page	885/614
Instrument	1300464

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2043

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1964 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000666/457
Date	Jan 4, 2006
Book Page	666/457
Instrument	0019

Lender

Name	UVA COMMUNITY CU INC
Address	CHARLOTTESVILLE, VA 22901

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2016

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		$725,300 (%) Land $98,300 Building $627,000	$725,300 (%) Land $98,300 Building $627,000
2025	$5,113.00 (+14.82%)	$725,332 (+25.97%) Land $98,332 Building $627,000	$725,332 (+25.97%) Land $98,332 Building $627,000
2023		$575,800 Land $98,300 Building $477,500	$575,800 Land $98,300 Building $477,500
2022	$4,453.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	0.03% 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 3 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

No cell data coverage reported

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