Fluvanna County property record for 24 Spruce Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,472 sqft · built 2008 |
| Lot Size | 0.104 acres (4,530 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $301,000 (Oct 2024) |
| Tax Bill | $2,229 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17A 1 11 |
| Primary APN | 17A 1 11 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,472 sqft Living Area |
| Gross Area | 3,400 sqft |
| 1st Floor Area | 1,440 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Townhouse |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,530 sqft (0.104 acres) |
| Terrain | Rolling |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 24 SPRUCE DR |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-6230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | INST 240002633 AC 0.104 NAHOR VILLAGE |
| Legal Subdivision | NAHOR VILLAGE |
| Legal Block | 1 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 20104 |
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 | 24 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO |
| Apr 7, 2020 | Deed of Trust, Mortgage · Commercial Mortgage UNITED BANK |
| Oct 11, 2024 | Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| May 28, 2019 | Bargain and Sale Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2024 · Amount on Record |
| Deed Sale | Oct 11, 2024 · Amount on Record |
| Prior Sale | May 28, 2019 · Amount on Record |
| Deed Document Number | 20242633 |
| Prior Transfer Date | Sep 29, 2009 |
| Prior Transfer Doc | 000804/255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 24 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001900296 |
|---|---|
| Date | Jan 31, 2019 |
| Instrument | 1900296 |
| Name | BRANCH BANKING & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 24 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200001189 |
|---|---|
| Date | Apr 7, 2020 |
| Instrument | 200001189 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 15, 2045 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Oct 11, 2024 |
| Property Address | 24 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Document Number | 0240002633 |
| Map Reference | DB 207 PG 209 |
| Instrument Date | Sep 5, 2024 |
| Instrument | 240002633 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $301.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 28, 2019 |
| Property Address | 24 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Document Number | 0001901485 |
| Map Reference | PB 967 PG 909 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 1901485 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 FLEETWOOD DR, PALMYRA, VA 22963-2652 |
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 | $295,300 (-) Land $33,000 Building $262,300 | $295,300 (-) Land $33,000 Building $262,300 | |
| 2025 | $2,229.00 (+0.68%) | $295,300 (+14.9%) Land $33,000 Building $262,300 | $295,300 (+14.9%) Land $33,000 Building $262,300 |
| 2024 | $2,214.00 (+2.07%) | ||
| 2023 | $257,000 Land $33,000 Building $224,000 | $257,000 Land $33,000 Building $224,000 | |
| 2022 | $2,169.00 |
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 | 7 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.
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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 84 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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