21 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 21 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1998
Lot Size	0.374 acres (16,291 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (Sep 2005)
Tax Bill	$2,111 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 256`

Property Details

APN / Parcel Number

Primary APN	`18A 6 256`
Alternative APN	`9498`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
Gross Area	3,888 sqft
1st Floor Area	1,484 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,291 sqft (0.374 acres)
Terrain	Rolling
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	9498
Street Address	21 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 651-162 RIVERSIDE-6 LOT 256 16,304 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	25
Legal Lot Number	256
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

21 Riverside Dr is owned and occupied by an individual who acquired it in December 2015.

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

Owner of Record	Individual Name on File
Mailing Address	21 RIVERSIDE DR, PALMYRA, VA 22963-2016
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2005 · Amount on File
Deed Sale	Sep 12, 2005 · Amount on File
Deed Document Number	20056225
Deed Book / Page	651 / 162
Last Transfer Date	Dec 15, 2015
Transfer Doc	0000000183
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	21 RIVERSIDE DR, PALMYRA, VA 22963-2016
Transaction Type	Mortgage
Record Updated	Jul 31, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1902065
Date	Jul 15, 2019
Instrument	1902065

Lender

Name	ROUNDPOINT MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 21 Riverside Dr was $2,111.

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		$279,700 (-) Land $30,000 Building $249,700	$279,700 (-) Land $30,000 Building $249,700
2025	$2,111.00	$279,700 Land $30,000 Building $249,700	$279,700 Land $30,000 Building $249,700
2023		$220,200 Land $30,000 Building $190,200	$220,200 Land $30,000 Building $190,200
2022	$1,858.00

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

Flood

FEMA maps place 21 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

Wildfire risk around 21 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.

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 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.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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