2475 Ridge Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2475 Ridge Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1990
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jun 2021)
Tax Bill	$1,610 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20 A 11A`

Property Details

APN / Parcel Number

Primary APN	`20 A 11A`
Alternative APN	`12385`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,176 sqft
1st Floor Area	1,008 sqft
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Deck Area	48 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12385
Street Address	2475 RIDGE RD
City	PALMYRA
State	VA
Zip	22963-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 210003057 AC 2.0
Legal Block	1
Legal Lot Number	A
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1051
Census Tract	20200

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	2475 RIDGE RD, PALMYRA, VA 22963-4008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2021 · Amount on Record
Deed Sale	Jun 22, 2021 · Amount on Record
Deed Document Number	20213057
Record Updated	Sep 20, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 22, 2021
Property Address	2475 RIDGE RD, PALMYRA, VA 22963-4008
Document Number	0210003057
Map Reference	DB 209 PG 556
Instrument Date	Jun 8, 2021
Instrument	210003057
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2475 RIDGE RD, PALMYRA, VA 22963-4008

Mortgage

Document Number	0210003058
Date	Jun 22, 2021
Instrument	210003058

Lender

Name	ATLANTIC BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

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		$213,300 (-) Land $45,000 Building $168,300	$213,300 (-) Land $45,000 Building $168,300
2025	$1,610.00 (+25.98%)	$213,300 (+40.79%) Land $45,000 Building $168,300	$213,300 (+40.79%) Land $45,000 Building $168,300
2023		$151,500 Land $45,000 Building $106,500	$151,500 Land $45,000 Building $106,500
2022	$1,278.00

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	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.

Wildfire

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.

Internet Providers

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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