2635 Ridge Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 2635 Ridge Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,613 sqft · built 1991
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$243,000 (Jul 2012)
Tax Bill	$2,815 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20 14 5`

Property Details

APN / Parcel Number

Primary APN	`20 14 5`
Alternative APN	`12599`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,613 sqft Living Area
Gross Area	3,221 sqft
1st Floor Area	1,613 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2004
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Tin
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Deck Area	48 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	12599
Street Address	2635 RIDGE RD
City	PALMYRA
State	VA
Zip	22963-4010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 868-140 AC 2.0
Legal Subdivision	CONTAINING 2
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	2635 RIDGE RD, PALMYRA, VA 22963-4010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2012 · Amount on Record
Deed Sale	Jul 11, 2012 · Amount on Record
Prior Sale	Sep 21, 2006 · Amount on Record
Deed Document Number	20122361
Deed Book / Page	868 / 140
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2635 RIDGE RD, PALMYRA, VA 22963-4010
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000888
Date	Mar 11, 2022
Instrument	220000888

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2041

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	2635 RIDGE RD, PALMYRA, VA 22963-4010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001631
Date	May 11, 2020
Instrument	200001631

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2050

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		$372,956 (-) Land $45,000 Building $327,956	$372,956 (-) Land $45,000 Building $327,956
2025	$2,815.00 (+17.15%)	$372,956 (+30.95%) Land $45,000 Building $327,956	$372,956 (+30.95%) Land $45,000 Building $327,956
2023		$284,800 Land $45,000 Building $239,800	$284,800 Land $45,000 Building $239,800
2022	$2,403.00

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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