28 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 28 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,568 sqft · built 2004
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Apr 2021)
Tax Bill	$2,330 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 193`

Property Details

APN / Parcel Number

Primary APN	`18A 6 193`
Alternative APN	`2960`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Gross Area	2,712 sqft
1st Floor Area	1,568 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2015
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Deck Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	2960
Street Address	28 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 210001713 RIVERSIDE-6 LOT 193 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	19
Legal Lot Number	193
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

28 Riverside Dr is owned by two individuals who bought it in April 2021.

Source: Fluvanna County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2260 SPARROW LN, CHARLOTTESVILLE, VA 22911-8393
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE
Apr 5, 2021	Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE
Dec 19, 2019	Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021 · Amount on File
Deed Sale	Apr 5, 2021 · Amount on File
Prior Sale	Dec 19, 2019 · Amount on File
Deed Document Number	20211713
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	28 RIVERSIDE DR, PALMYRA, VA 22963-2023
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001715
Date	Apr 5, 2021
Instrument	210001715

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 5, 2021
Property Address	28 RIVERSIDE DR, PALMYRA, VA 22963-2023
Document Number	210001713
Map Reference	DB 83 PG 224
Instrument Date	Mar 31, 2021
Instrument	210001713
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Tax	$245.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2260 SPARROW LN, CHARLOTTESVILLE, VA 22911-8393

Mortgage

Document Number	210001714
Date	Apr 5, 2021
Instrument	210001714

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 19, 2019
Property Address	28 RIVERSIDE DR, PALMYRA, VA 22963-2023
Document Number	1903913
Map Reference	PB 83 PG 224
Instrument Date	Nov 7, 2019
Instrument	1903913
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$398.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 RIVERSIDE DR, PALMYRA, VA 22963-2023

Mortgage

Document Number	1903914
Date	Dec 19, 2019
Instrument	1903914

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 28 Riverside Dr was $2,330.

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		$308,700 (-) Land $30,000 Building $278,700	$308,700 (-) Land $30,000 Building $278,700
2025	$2,330.00	$308,700 Land $30,000 Building $278,700	$308,700 Land $30,000 Building $278,700
2023		$242,400 Land $30,000 Building $212,400	$242,400 Land $30,000 Building $212,400
2022	$2,045.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 28 Riverside Dr in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 28 Riverside Dr is low, with a 0.02% annual chance of 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 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

May also be available: T-Mobile.

Cell Coverage

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

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