Fluvanna County property record for 2186 Ridge Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,252 sqft · built 2010 |
| Lot Size | 2.98 acres (129,939 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $144,000 (Sep 2016) |
| Tax Bill | $2,247 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20 21 7 |
| Primary APN | 20 21 7 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,252 sqft Living Area |
| Gross Area | 1,402 sqft |
| 1st Floor Area | 1,252 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 129,939 sqft (2.98 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | 120 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2186 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 971-215 AC 2.983 SUNNY RIDGE |
| Legal Subdivision | SUNNY RIDGE |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | COLUMBIA |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 20200 |
Source: Fluvanna County records, as of June 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2186 RIDGE RD, PALMYRA, VA 22963-4005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2016 · Amount on Record |
| Deed Sale | Sep 29, 2016 · Amount on Record |
| Prior Sale | Mar 4, 2016 · Amount on Record |
| Deed Document Number | 20162855 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 2186 RIDGE RD, PALMYRA, VA 22963-4005 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0210005494 |
|---|---|
| Date | Nov 3, 2021 |
| Instrument | 210005494 |
| Name | ATLANTA BAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|
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 | $297,700 (-) Land $49,400 Building $248,300 | $297,700 (-) Land $49,400 Building $248,300 | |
| 2025 | $2,247.00 (+28.77%) | $297,700 (+43.96%) Land $49,400 Building $248,300 | $297,700 (+43.96%) Land $49,400 Building $248,300 |
| 2023 | $206,800 Land $49,400 Building $157,400 | $206,800 Land $49,400 Building $157,400 | |
| 2022 | $1,745.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
4G LTE only, no 5G reported
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