2 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,152 sqft · built 2003
Lot Size	0.633 acres (27,573 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Jul 2023)
Tax Bill	$2,528 (2025)
Deeds & Mortgages	Sep 2005 Mortgage Apr 2005 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 245`

Property Details

APN / Parcel Number

Primary APN	`18A 6 245`
Alternative APN	`4156`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	1,152 sqft
Attic	Attic
Attic Area	173 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,573 sqft (0.633 acres)
Terrain	Steep

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	192 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	4156
Street Address	2 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230001923 RIVERSIDE-6 LOT 245 27,559 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	24
Legal Lot Number	245
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

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	2 RIVERSIDE DR, PALMYRA, VA 22963-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2005	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE HOME LOANS INC
Apr 5, 2005	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE HOME LOANS INC
Sep 12, 2005	Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE HOMES LOANS INC
Jul 12, 2023	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 20, 2019	Deed, Transfer · Conventional Mortgage VA CU INC
Apr 15, 2005	Gift Deed, Transfer · Conventional Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Sale	Sep 20, 2019 · Amount on Record
Deed Document Number	20231923
Prior Transfer Date	Mar 31, 2005
Prior Transfer Doc	000627/700
Record Updated	Sep 20, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000651/105
Date	Sep 2, 2005
Book Page	651/105
Instrument	2411

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	May 1, 2035

Interest

Rate	5.62%

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000627/719
Date	Apr 5, 2005
Book Page	627/719
Instrument	2412

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000651/095
Date	Sep 12, 2005
Book Page	651/095
Instrument	6211

Lender

Name	COUNTRYWIDE HOMES LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 12, 2023
Property Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021
Document Number	0230001923
Map Reference	DOC 190002849
Instrument Date	Jul 5, 2023
Instrument	230001923
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021

Mortgage

Document Number	0230001924
Date	Jul 12, 2023
Instrument	230001924

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 20, 2019
Property Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021
Document Number	0001902849
Map Reference	PB 83 PG 224
Instrument Date	Sep 17, 2019
Instrument	1902849
Transaction Type	Transfer
Record Updated	Oct 25, 2024
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021

Mortgage

Document Number	0001902850
Date	Sep 20, 2019
Instrument	1902850

Lender

Name	VA CU INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0001902851
Date	Sep 20, 2019
Instrument	1902851

Lender

Name	VA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

April 2005: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 15, 2005
Property Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021
Document Number	000627/700
Book / Page	627 / 700
Map Reference	DD83 PG224
Instrument Date	Mar 31, 2005
Instrument	2410
Transaction Type	Transfer
Record Updated	Oct 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RIVERSIDE DR, PALMYRA, VA 22963-2021

Mortgage

Document Number	000627/703
Date	Apr 15, 2005
Book Page	627/703
Instrument	2411

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2035

Interest

Rate	5.62%

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		$334,900 (-) Land $30,000 Building $304,900	$334,900 (-) Land $30,000 Building $304,900
2025	$2,528.00 (+0.68%)	$334,900 (+52.64%) Land $30,000 Building $304,900	$334,900 (+52.64%) Land $30,000 Building $304,900
2024	$2,511.00 (+35.66%)
2023		$219,400 Land $30,000 Building $189,400	$219,400 Land $30,000 Building $189,400
2022	$1,851.00

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 AE, within 500 ft
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	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% 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	LAKE MONTICELLO private · serves 12,943 people · EPA ID VA2065480
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) 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 45 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Riverside Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures