295 Memory Ln, Troy, VA 22974 Property Records

Fluvanna County property record for 295 Memory Ln, Troy, VA 22974

Property Summary

Property Type	Office Building
Details	2 ba · 15,120 sqft · built 2007
Lot Size	15.7 acres (685,242 sqft)
Owner	Company Name on Record
Last Sale	$1,591,150 (Dec 2022)
Tax Bill	$8,319 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4 A 20A`

Property Details

APN / Parcel Number

Primary APN	`4 A 20A`
Alternative APN	`2198`

Interior

Full Baths	2 Baths
Half Baths	4 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	15,120 sqft Total Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2016
Exterior Material	Metal
Roof Type	Gable
Roof Material	Tin
Lot Area	685,242 sqft (15.7 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	2198
Street Address	295 MEMORY LN
City	TROY
State	VA
Zip	22974-3707
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	I1I2
Legal Description	INST 220004641 AC 15.731
Legal Block	20
Legal Lot Number	A
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	2
Census Block	2026
Census Tract	20101

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	Company Name on Record
Mailing Address	PO BOX P7000, LYNCHBURG, VA 24505
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2022 · Amount on Record
Deed Sale	Dec 29, 2022 · Amount on Record
Prior Sale	Jan 11, 2018
Deed Document Number	20224641
Record Updated	Sep 20, 2026

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 11, 2018
Property Address	295 MEMORY LN, TROY, VA 22974-3707
Document Number	1800097
Map Reference	PB 677 PG 249
Instrument Date	Jan 10, 2018
Instrument	1800097
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 MEMORY LN, TROY, VA 22974-3707

Mortgage

Document Number	1800098
Date	Jan 11, 2018
Instrument	1800098

Lender

Name	VIRGINIA COMMUNITY BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,101,935 (-) Land $356,000 Building $745,935	$1,101,935 (-) Land $356,000 Building $745,935
2025	$8,319.00 (-10.55%)	$1,101,935 (+%) Land $356,000 Building $745,935	$1,101,935 (+%) Land $356,000 Building $745,935
2023		$1,101,900 Land $356,000 Building $745,900	$1,101,900 Land $356,000 Building $745,900
2022	$9,300.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.04% 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 11 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

5G (outdoors only) and 4G LTE

Nearby Properties on Memory Ln

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