1972 Sclaters Ford Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 1972 Sclaters Ford Rd, Palmyra, VA 22963

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 4,968 sqft · built 2001
Lot Size	44.3 acres (1,934,020 sqft)
Owner	2 Individual Names on Record
Last Sale	$966,500 (Oct 2025)
Tax Bill	$6,468 (2025)
Deeds & Mortgages	Aug 2016 Mortgage May 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29 A 36A`

Property Details

APN / Parcel Number

Primary APN	`29 A 36A`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,968 sqft Living Area
1st Floor Area	4,236 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,934,020 sqft (44.3 acres)
Terrain	Rolling
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	336 sqft
Deck Area	216 sqft
Patio Area	576 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	1972 SCLATERS FORD RD
City	PALMYRA
State	VA
Zip	22963-5019
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1
Legal Description	DB 387-146 AC 44.399
Legal Block	3
Legal Lot Number	A
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1972 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2016	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
May 27, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 21, 2013	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Oct 16, 2025	Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Deed Document Number	20253179
Record Updated	Sep 20, 2026

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1972 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001602468
Date	Aug 29, 2016
Instrument	1602468

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1972 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	0250001514
Date	May 27, 2025
Instrument	250001514

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1972 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000887/496
Date	Feb 21, 2013
Book Page	887/496
Instrument	1300767

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

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

Interest

Rate	3.62%

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 16, 2025
Property Address	1972 SCLATERS FORD RD, PALMYRA, VA 22963-5019
Document Number	0250003179
Instrument Date	Oct 13, 2025
Instrument	250003179
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$966.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1972 SCLATERS FORD RD, PALMYRA, VA 22963-5019

Mortgage

Document Number	0250003180
Date	Oct 16, 2025
Instrument	250003180

Lender

Name	TOWNE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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		$964,900 (+%) Land $172,200 Building $792,700	$964,900 (+%) Land $172,200 Building $792,700
2025	$6,468.00 (+0.65%)	$964,897 (+26.46%) Land $172,197 Building $792,700	$964,897 (+26.46%) Land $172,197 Building $792,700
2024	$6,426.00 (+16.27%)
2023		$763,000 Land $172,200 Building $590,800	$763,000 Land $172,200 Building $590,800
2022	$5,527.00

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.04% 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 2 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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