221 Winding River Rd, Fork Union, VA 23055 Property Records

Fluvanna County property record for 221 Winding River Rd, Fork Union, VA 23055 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 2006
Lot Size	10.1 acres (442,787 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (May 2019)
Tax Bill	$2,486 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`53 12 20`

Property Details

APN / Parcel Number

Primary APN	`53 12 20`
Alternative APN	`12903`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	3,708 sqft
1st Floor Area	1,584 sqft
Attic	Attic
Attic Area	317 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	442,787 sqft (10.1 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Deck Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12903
Street Address	221 WINDING RIVER RD
City	FORK UNION
State	VA
Zip	23055-2144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INST 190001491 AC. 10.165 RIVANNA WOODS
Legal Subdivision	RIVANNA WOODS
Legal Block	2
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	3
Census Block	3009
Census Tract	20200

Owner

Source: Fluvanna County records · APN 53 12 20

Assessment roll updated June 25, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	221 WINDING RIVER RD, FORK UNION, VA 23055-2144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 03, 2025	Deed of Trust, Mortgage · Line of Credit VIRGINIA CU INC
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 28, 2019	Deed, Transfer · Conventional Mortgage CAPITAL CENTER LLC
May 29, 2019	Deed, Transfer · Conventional Mortgage CAPITAL CENTER LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 29, 2019 · Amount on Record
Deed Sale	May 29, 2019 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	20191491
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	221 WINDING RIVER RD, FORK UNION, VA 23055-2144
Transaction Type	Mortgage
Record Updated	Oct 03, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WINDING RIVER RD, FORK UNION, VA 23055-2144

Mortgage

Document Number	0250002678
Date	Sep 03, 2025
Instrument	250002678

Lender

Name	VIRGINIA CU INC
Type	Credit Union
Address	RICHMOND, VA 23225

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	221 WINDING RIVER RD, FORK UNION, VA 23055-2144
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200004388
Date	Oct 29, 2020
Instrument	200004388

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 01, 2045

Interest

Rate Type	Fixed Rate

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 28, 2019
Property Address	221 WINDING RIVER RD, FORK UNION, VA 23055-2144
Document Number	1901491
Map Reference	PB 1 PG 109
Instrument Date	May 08, 2019
Instrument	1901491
Transaction Type	Transfer
Record Updated	Jul 06, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WINDING RIVER RD, FORK UNION, VA 23055-2144

Mortgage

Document Number	1901492
Date	May 28, 2019
Instrument	1901492

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 29, 2019
Property Address	221 WINDING RIVER RD, FORK UNION, VA 23055-2144
Document Number	1901491
Map Reference	PB 1 PG 109
Instrument Date	May 08, 2019
Instrument	1901491
Transaction Type	Transfer
Record Updated	Jul 06, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WINDING RIVER RD, FORK UNION, VA 23055-2144

Mortgage

Document Number	1901492
Date	May 29, 2019
Instrument	1901492

Lender

Name	CAPITAL CENTER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$329,300 (-) Land $76,700 Building $252,600	$329,300 (-) Land $76,700 Building $252,600
2025	$2,486.00 (+4.02%)	$329,300 (+16.28%) Land $76,700 Building $252,600	$329,300 (+16.28%) Land $76,700 Building $252,600
2023		$283,200 Land $76,700 Building $206,500	$283,200 Land $76,700 Building $206,500
2022	$2,390.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510650202003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 8 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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