2175 Ridge Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2175 Ridge Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,944 sqft · built 1998
Lot Size	2.76 acres (120,269 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2006)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20 18 2`

Property Details

APN / Parcel Number

Primary APN	`20 18 2`
Alternative APN	`13255`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	2,236 sqft
1st Floor Area	1,944 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2006
Architectural Style	Mobile Home
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	120,269 sqft (2.76 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	116 sqft
Deck Area	192 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	13255
Street Address	2175 RIDGE RD
City	PALMYRA
State	VA
Zip	22963-4005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 704-84 AC 2.761
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1051
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	2175 RIDGE RD, PALMYRA, VA 22963-4005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit UNIVERSITY/VA COMMUNITY CREDIT UNION
Feb 15, 2023	Deed of Trust, Mortgage · Line of Credit VIRGINIA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2006 · Amount on Record
Deed Sale	Oct 19, 2006 · Amount on Record
Deed Document Number	20066241
Deed Book / Page	704 / 84
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Apr 29, 2026
Property Address	2175 RIDGE RD, PALMYRA, VA 22963-4005
Document Number	0000001243
Instrument Date	Apr 20, 2026
Instrument	20261243
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3300 BERKMAR DR, CHARLOTTESVILLE, VA 22901-1491

Mortgage

Document Number	0000001243,
Date	Apr 29, 2026
Instrument	20261243

Lender

Name	UNIVERSITY/VA COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2175 RIDGE RD, PALMYRA, VA 22963-4005
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230000401
Date	Feb 15, 2023
Instrument	230000401

Lender

Name	VIRGINIA COMMUNITY CU
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$181,800 (-) Land $48,400 Building $133,400	$181,800 (-) Land $48,400 Building $133,400
2025	$1,372.00 (+0.66%)	$181,800 (+25.03%) Land $48,400 Building $133,400	$181,800 (+25.03%) Land $48,400 Building $133,400
2024	$1,363.00 (+11.08%)
2023		$145,400 Land $48,400 Building $97,000	$145,400 Land $48,400 Building $97,000
2022	$1,227.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 9 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 only, no 5G reported

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