Fluvanna County property record for 2286 Ridge Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,438 sqft · built 2009 |
| Lot Size | 3.07 acres (133,991 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (May 2023) |
| Tax Bill | $2,113 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20 21 5 |
| Primary APN | 20 21 5 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,438 sqft Living Area |
| Gross Area | 1,758 sqft |
| 1st Floor Area | 1,388 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 133,991 sqft (3.07 acres) |
| Terrain | Rolling |
| Porch | Slab |
|---|---|
| Porch Area | 20 sqft |
| Deck Area | 300 sqft |
| Balcony Area | 50 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2286 RIDGE RD |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-4006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | INST 230001224 AC 3.076 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 | 2286 RIDGE RD, PALMYRA, VA 22963-4006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2023 · Amount on Record |
| Deed Sale | May 5, 2023 · Amount on Record |
| Prior Sale | Mar 18, 2014 · Amount on Record |
| Deed Document Number | 20231224 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 5, 2023 |
| Property Address | 2286 RIDGE RD, PALMYRA, VA 22963-4006 |
| Document Number | 0230001224 |
| Map Reference | DB 5656 PG 477 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 230001224 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2286 RIDGE RD, PALMYRA, VA 22963-4006 |
| Document Number | 0230001225 |
|---|---|
| Date | May 5, 2023 |
| Instrument | 230001225 |
| Name | LOAN DEPOT INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2053 |
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 | $279,900 (-) Land $49,800 Building $230,100 | $279,900 (-) Land $49,800 Building $230,100 | |
| 2025 | $2,113.00 (+11.74%) | $279,900 (+24.9%) Land $49,800 Building $230,100 | $279,900 (+24.9%) Land $49,800 Building $230,100 |
| 2023 | $224,100 Land $49,800 Building $174,300 | $224,100 Land $49,800 Building $174,300 | |
| 2022 | $1,891.00 |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 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 (outdoors only), no 5G reported
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