246 Sclaters Ford Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 246 Sclaters Ford Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,208 sqft · built 2005
Lot Size	4.53 acres (197,457 sqft)
Owner	Individual Name on Record
Last Sale	$402,675 (Oct 2006)
Tax Bill	$5,188 (2025)
Deeds & Mortgages	Mar 2013 Mortgage Feb 2009 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29 A 54`

Property Details

APN / Parcel Number

Primary APN	`29 A 54`
Alternative APN	`10601`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,208 sqft Living Area
Gross Area	5,860 sqft
1st Floor Area	2,888 sqft
Basement Area	1,444 sqft
Finished Basement	1,444 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	197,457 sqft (4.53 acres)
Terrain	Rolling
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	120 sqft
Deck Area	268 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	10601
Street Address	246 SCLATERS FORD RD
City	PALMYRA
State	VA
Zip	22963-5094
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 918-512 AC 4.533
Legal Block	5
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	1
Census Block	1057
Census Tract	20300

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	246 SCLATERS FORD RD, PALMYRA, VA 22963-5094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2013	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Feb 17, 2009	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Jan 21, 2005	Deed of Trust, Mortgage · Line of Credit STOCK BUILDING SUPPLY INC
Jun 15, 2015	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK
Oct 27, 2006	Warranty Deed, Subdivision Related Transfer · ARM SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2006 · Amount on Record
Deed Sale	Oct 27, 2006 · Amount on Record
Deed Document Number	20066394
Deed Book / Page	704 / 905
Record Updated	Sep 20, 2026

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	246 SCLATERS FORD RD, PALMYRA, VA 22963-5094
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000890/272
Date	Mar 27, 2013
Book Page	890/272
Instrument	1301266

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2033

Interest

Rate	3.49%

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	246 SCLATERS FORD RD, PALMYRA, VA 22963-5094
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000784/479
Date	Feb 17, 2009
Book Page	784/479
Instrument	0463

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2039

Interest

Rate	5%

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	246 SCLATERS FORD RD, PALMYRA, VA 22963-5094
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000615/825
Date	Jan 21, 2005
Book Page	615/825
Instrument	0416

Lender

Name	STOCK BUILDING SUPPLY INC
Type	Non-Lending Institution
Address	NORFOLK, VA 23502

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	246 SCLATERS FORD RD, PALMYRA, VA 22963-5094
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001501787
Date	Jun 15, 2015
Instrument	1501787

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2045

Interest

Rate Type	Fixed Rate

October 2006: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 27, 2006
Property Address	246 SCLATERS FORD RD, PALMYRA, VA 22963-5094
Document Number	000704/905
Book / Page	704 / 905
Map Reference	DD610 PG365
Instrument Date	Sep 29, 2006
Instrument	6394
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$403.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	246 SCLATERS FORD RD, PALMYRA, VA 22963-5094

Mortgage

Document Number	000704/907
Date	Oct 27, 2006
Book Page	704/907
Instrument	6395

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Nov 1, 2013
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.7%
Index	1-Year LIBOR
Max Rate	11.7%

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		$687,200 (-) Land $46,400 Building $640,800	$687,200 (-) Land $46,400 Building $640,800
2025	$5,188.00 (+19.15%)	$687,200 (+33.2%) Land $46,400 Building $640,800	$687,200 (+33.2%) Land $46,400 Building $640,800
2023		$515,900 Land $46,400 Building $469,500	$515,900 Land $46,400 Building $469,500
2022	$4,354.00

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	3 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.04% 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 13 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 (outdoors only), no 5G reported

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