2077 Deep Creek Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2077 Deep Creek Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,196 sqft · built 2010
Lot Size	1.42 acres (62,247 sqft)
Owner	Individual Name on Record
Last Sale	$1,000 (Mar 2021)
Tax Bill	$2,192 (2025)
Deeds & Mortgages	Mar 2007 Mortgage Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21 A 7A`

Property Details

APN / Parcel Number

Primary APN	`21 A 7A`
Alternative APN	`12880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Gross Area	2,608 sqft
1st Floor Area	1,196 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2018
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,247 sqft (1.42 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	120 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	12880
Street Address	2077 DEEP CREEK RD
City	PALMYRA
State	VA
Zip	22963-4616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 986-352 AC 1.429
Legal Lot Number	A
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1027
Census Tract	20200

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	2077 DEEP CREEK RD, PALMYRA, VA 22963-4616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2007	Deed of Trust, Mortgage · Conventional Mortgage UNION MORTGAGE GROUP INC
Jan 22, 2026	Gift Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
May 10, 2017	Deed, Transfer STEWART TITLE
May 10, 2017	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2021 · Amount on Record
Deed Sale	Mar 15, 2021 · Amount on Record
Prior Sale	May 10, 2017
Deed Document Number	20211299
Prior Transfer Date	Mar 9, 2021
Prior Transfer Doc	0000001299
Record Updated	Oct 29, 2026

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2077 DEEP CREEK RD, PALMYRA, VA 22963-4616
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000718/652
Date	Mar 1, 2007
Book Page	718/652
Instrument	1048

Lender

Name	UNION MORTGAGE GROUP INC
Type	Mortgage Company
Address	ANNANDALE, VA 22003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2037

Interest

Rate	6.12%

January 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 22, 2026
Property Address	2077 DEEP CREEK RD, PALMYRA, VA 22963-4616
Document Number	0260000194
Instrument Date	Jan 9, 2026
Instrument	260000194
Transaction Type	Transfer
Record Updated	Feb 17, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2077 DEEP CREEK RD, PALMYRA, VA 22963-4616

Mortgage

Document Number	0260000195
Date	Jan 22, 2026
Instrument	260000195

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 10, 2017
Property Address	2077 DEEP CREEK RD, PALMYRA, VA 22963-4616
Document Number	1701487
Map Reference	PB 595 PG 668
Instrument Date	May 2, 2017
Instrument	1701487
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2077 DEEP CREEK RD, PALMYRA, VA 22963-4616

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 10, 2017
Property Address	2077 DEEP CREEK RD, PALMYRA, VA 22963-4616
Document Number	1701487
Map Reference	PB 595 PG 668
Instrument Date	May 2, 2017
Instrument	1701487
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2077 DEEP CREEK RD, PALMYRA, VA 22963-4616

Mortgage

Document Number	1701488
Date	May 10, 2017
Instrument	1701488

Lender

Name	TOWNEBANK MORTGAGE
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$290,400 (-) Land $33,000 Building $257,400	$290,400 (-) Land $33,000 Building $257,400
2025	$2,192.00 (+0.64%)	$290,400 (+55.88%) Land $33,000 Building $257,400	$290,400 (+55.88%) Land $33,000 Building $257,400
2024	$2,178.00 (+38.55%)
2023		$186,300 Land $33,000 Building $153,300	$186,300 Land $33,000 Building $153,300
2022	$1,572.00

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	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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	0.02% 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 5 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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