Fluvanna County property record for 295 Cold Spring Trl, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,636 sqft · built 2013 |
| Lot Size | 16.5 acres (722,225 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $167,500 (May 2016) |
| Tax Bill | $6,366 (2025) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12 5 1B |
| Primary APN | 12 5 1B |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,636 sqft Living Area |
| Gross Area | 6,731 sqft |
| 1st Floor Area | 1,981 sqft |
| Basement Area | 2,612 sqft |
| Finished Basement | 632 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2019 |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 722,225 sqft (16.5 acres) |
| Terrain | Rolling |
| Garage Area | 563 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 451 sqft |
| Deck Area | 340 sqft |
| Patio Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 2696 |
|---|---|
| Street Address | 295 COLD SPRING TRL |
| City | PALMYRA |
| State | VA |
| Zip | 22963-4749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | DB 865-684 AC 16.58 |
| Legal Lot Number | B |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | COLUMBIA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 20200 |
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 | 295 COLD SPRING TRL, PALMYRA, VA 22963-4749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2016 · Amount on Record |
| Deed Sale | May 23, 2016 · Amount on Record |
| Prior Sale | Jun 6, 2012 · Amount on Record |
| Deed Document Number | 20161296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 295 COLD SPRING TRL, PALMYRA, VA 22963-4749 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Name | Verified Name |
|---|
| Document Number | 200001823 |
|---|---|
| Date | May 26, 2020 |
| Instrument | 200001823 |
| Name | BLUE RIDGE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Rate Type | Fixed Rate |
|---|
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 | $843,300 (-) Land $110,600 Building $732,700 | $843,300 (-) Land $110,600 Building $732,700 | |
| 2025 | $6,366.00 (+13.58%) | $843,300 (+26.96%) Land $110,600 Building $732,700 | $843,300 (+26.96%) Land $110,600 Building $732,700 |
| 2023 | $664,200 Land $110,600 Building $553,600 | $664,200 Land $110,600 Building $553,600 | |
| 2022 | $5,605.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% 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.
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 |
5G and 4G LTE (outdoors only)
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