Fluvanna County property record for 20 Riverside Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,804 sqft · built 2024 |
| Lot Size | 0.368 acres (16,030 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $342,000 (Sep 2024) |
| Tax Bill | $2,563 (2025) |
| Deeds & Mortgages | Sep 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 6 197 |
| Primary APN | 18A 6 197 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,804 sqft Living Area |
| Gross Area | 2,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,030 sqft (0.368 acres) |
| Heating System | Central |
|---|---|
| Heating Fuel | Electric |
| Street Address | 20 RIVERSIDE DR |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-2023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 240002324 AC 0.368 SQ FT 16,067 |
| Legal Subdivision | RIVERSIDE ADDITION ONE |
| Legal Block | 19 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 20101 |
20 Riverside Dr is owned and occupied by two individuals who bought it in September 2024.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 RIVERSIDE DR, PALMYRA, VA 22963-2023 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2024 · Amount on File |
| Deed Sale | Sep 5, 2024 · Amount on File |
| Prior Sale | Apr 19, 2023 · Amount on File |
| Deed Document Number | 20242324 |
| Prior Transfer Date | Oct 20, 2022 |
| Prior Transfer Doc | 0000004478 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Sep 5, 2024 |
| Property Address | 20 RIVERSIDE DR, PALMYRA, VA 22963-2023 |
| Document Number | 0240002324 |
| Map Reference | DB 83 PG 226 |
| Instrument Date | Sep 5, 2024 |
| Instrument | 240002324 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 25, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $342.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 RIVERSIDE DR, PALMYRA, VA 22963-2023 |
| Document Number | 0240002325 |
|---|---|
| Date | Sep 5, 2024 |
| Instrument | 240002325 |
| Name | TOWNE FIRST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
The 2025 property tax bill for 20 Riverside Dr was $2,563, up 0.6% from the year before.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $339,600 (-) Land $30,000 Building $309,600 | $339,600 (-) Land $30,000 Building $309,600 | |
| 2025 | $2,563.00 (+0.63%) | $339,600 Land $30,000 Building $309,600 | $339,600 Land $30,000 Building $309,600 |
| 2024 | $2,547.00 | ||
| 2023 | $24,000 Land $24,000 | $24,000 Land $24,000 | |
| 2022 | $202.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 20 Riverside Dr in Zone X, an area of minimal flood risk.
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 | 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 risk around 20 Riverside Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 257 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 |
May also be available: T-Mobile.
4G LTE (outdoors only), no 5G reported
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