Fluvanna County property record for 30 Spruce Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,984 sqft · built 2008 |
| Lot Size | 0.104 acres (4,530 sqft) |
| Owner | Company Name on File |
| Last Sale | $235,000 (Jan 2020) |
| Tax Bill | $2,505 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Jan 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17A 1 12 |
| Primary APN | 17A 1 12 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 5,187 sqft |
| 1st Floor Area | 1,694 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Townhouse |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,530 sqft (0.104 acres) |
| Terrain | Rolling |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 30 SPRUCE DR |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-6230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | INST 200000255 AC 0.104 NAHOR VILLAGE |
| Legal Subdivision | NAHOR VILLAGE |
| Legal Block | 1 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 20104 |
30 Spruce Dr is owned by a company that bought it in January 2020.
Source: Fluvanna County records, as of June 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 774, EARLYSVILLE, VA 22936-0774 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 15, 2022 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF JAMES |
| Jan 24, 2020 | Deed, Transfer · Commercial Mortgage BANK OF THE JAMES |
| Apr 12, 2018 | Deed, Transfer STEWART TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2020 · Amount on File |
| Deed Sale | Jan 24, 2020 · Amount on File |
| Prior Sale | Apr 12, 2018 · Amount on File |
| Deed Document Number | 2020255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 30 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220000583 |
|---|---|
| Date | Feb 15, 2022 |
| Instrument | 220000583 |
| Name | BANK OF JAMES |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jan 24, 2020 |
| Property Address | 30 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Document Number | 2000255 |
| Map Reference | PB 763 PG 207 |
| Instrument Date | Jan 22, 2020 |
| Instrument | 2000255 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $121.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 774, EARLYSVILLE, VA 22936-0774 |
| Document Number | 2000256 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 2000256 |
| Name | BANK OF THE JAMES |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 12, 2018 |
| Property Address | 30 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Document Number | 1801099 |
| Map Reference | PB 763 PG 207 |
| Instrument Date | Feb 21, 2018 |
| Instrument | 1801099 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 30 SPRUCE DR, PALMYRA, VA 22963-6230 |
The 2025 property tax bill for 30 Spruce Dr was $2,505.
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 | $331,800 (-) Land $33,000 Building $298,800 | $331,800 (-) Land $33,000 Building $298,800 | |
| 2025 | $2,505.00 | $331,800 Land $33,000 Building $298,800 | $331,800 Land $33,000 Building $298,800 |
| 2023 | $301,600 Land $33,000 Building $268,600 | $301,600 Land $33,000 Building $268,600 | |
| 2022 | $2,545.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 30 Spruce 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 | 7 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 risk around 30 Spruce Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 84 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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