1997 Troy Rd, Troy, VA 22974 Property Records

Fluvanna County property record for 1997 Troy Rd, Troy, VA 22974

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,276 sqft · built 1964
Lot Size	8 acres (348,480 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jan 2022)
Tax Bill	$2,095 (2025)
Deeds & Mortgages	Aug 2006 Line of Credit Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5 A 26`

Property Details

APN / Parcel Number

Primary APN	`5 A 26`
Alternative APN	`7545`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
Gross Area	2,752 sqft
1st Floor Area	1,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1981
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	348,480 sqft (8 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,056 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	140 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7545
Street Address	1997 TROY RD
City	TROY
State	VA
Zip	22974-3903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 220000127 AC 8.0
Legal Block	26
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	2
Census Block	2029
Census Tract	20101

Owner

1997 Troy Rd is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1997 TROY RD, TROY, VA 22974-3903
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2006	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NA
Jan 12, 2022	Deed, Transfer · Conventional Mortgage IBANEZ MORTGAGE GROUP LLC
Mar 24, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2022 · Amount on File
Deed Sale	Jan 12, 2022 · Amount on File
Deed Document Number	2022127
Record Updated	Sep 20, 2026

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	1997 TROY RD, TROY, VA 22974-3903
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000695/526
Date	Aug 9, 2006
Book Page	695/526
Instrument	4703

Lender

Name	WACHOVIA BANK NA
Type	Bank
Address	CHARLOTTE, NC 28288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jul 18, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 12, 2022
Property Address	1997 TROY RD, TROY, VA 22974-3903
Document Number	0220000127
Map Reference	DB 983 PG 79
Instrument Date	Jan 5, 2022
Instrument	220000127
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1997 TROY RD, TROY, VA 22974-3903

Mortgage

Document Number	0220000128
Date	Jan 12, 2022
Instrument	220000128

Lender

Name	IBANEZ MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 24, 2017
Property Address	1997 TROY RD, TROY, VA 22974-3903
Document Number	0001700927
Map Reference	PB 614 PG 298
Instrument Date	Feb 24, 2017
Instrument	1700927
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 ALDRIDGE LN, SCOTTSVILLE, VA 24590-3606

Tax Assessment & Valuation

The 2025 property tax bill for 1997 Troy Rd was $2,095.

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		$277,520 (-) Land $72,000 Building $205,520	$277,520 (-) Land $72,000 Building $205,520
2025	$2,095.00	$277,520 Land $72,000 Building $205,520	$277,520 Land $72,000 Building $205,520
2023		$215,500 Land $72,000 Building $143,500	$215,500 Land $72,000 Building $143,500
2022	$1,818.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1997 Troy Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1997 Troy Rd is low, with a 0.02% annual chance of 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 20 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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