Fluvanna County property record for 3147 Ridge Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,080 sqft · built 1995 |
| Lot Size | 2.58 acres (112,690 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $212,000 (May 2025) |
| Tax Bill | $1,104 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 20 16 8 |
| Primary APN | 20 16 8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 1,288 sqft |
| 1st Floor Area | 1,080 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Mobile Home |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 112,690 sqft (2.58 acres) |
| Terrain | Rolling |
| Porch | Patio |
|---|---|
| Porch Area | 128 sqft |
| Deck Area | 80 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12825 |
|---|---|
| Street Address | 3147 RIDGE RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-4016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | DB 592-914 AC 2.587 BYBEE ESTATES |
| Legal Subdivision | BYBEE ESTATES |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | COLUMBIA |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 20200 |
3147 Ridge Rd is owned and occupied by two individuals who bought it in May 2025.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3147 RIDGE RD, PALMYRA, VA 22963-4016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2025 · Amount on File |
| Deed Sale | May 9, 2025 · Amount on File |
| Deed Document Number | 20251341 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 3147 RIDGE RD, PALMYRA, VA 22963-4016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 200004378 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 200004378 |
| Name | VIRGINIA CU INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2040 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 3147 Ridge Rd was $1,104.
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 | $146,300 (-) Land $47,600 Building $98,700 | $146,300 (-) Land $47,600 Building $98,700 | |
| 2025 | $1,104.00 | $146,300 Land $47,600 Building $98,700 | $146,300 Land $47,600 Building $98,700 |
| 2023 | $118,400 Land $47,600 Building $70,800 | $118,400 Land $47,600 Building $70,800 | |
| 2022 | $999.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3147 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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 risk around 3147 Ridge Rd is low, with a 0.03% 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 | 0.03% 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 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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