Fluvanna County property record for 321 Two Rivers Dr, Troy, VA 22974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,916 sqft · built 2014 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Dec 2013) |
| Tax Bill | $3,855 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 9 9 9 |
| Primary APN | 9 9 9 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,916 sqft Living Area |
| Gross Area | 3,859 sqft |
| 1st Floor Area | 1,876 sqft |
| Basement Area | 938 sqft |
| Finished Basement | 938 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2020 |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 41,818 sqft (0.96 acres) |
| Terrain | Rolling |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 640 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 166 sqft |
| Deck Area | 231 sqft |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 321 TWO RIVERS DR |
|---|---|
| City | TROY |
| State | VA |
| Zip | 22974-3983 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | DB 909-851 AC 0.96 TWO RIVERS CLUSTER SUBDIVISION |
| Legal Subdivision | CLUSTER SUBDIVISION |
| Legal Block | 9 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 20101 |
321 Two Rivers Dr is owned and occupied by two individuals who bought it in December 2013.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 TWO RIVERS DR, TROY, VA 22974-3983 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2013 · Amount on File |
| Deed Sale | Dec 12, 2013 · Amount on File |
| Deed Document Number | 20134664 |
| Deed Book / Page | 909 / 851 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 321 Two Rivers Dr was $3,855.
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 | $510,600 (-) Land $50,000 Building $460,600 | $510,600 (-) Land $50,000 Building $460,600 | |
| 2025 | $3,855.00 | $510,600 Land $50,000 Building $460,600 | $510,600 Land $50,000 Building $460,600 |
| 2023 | $415,000 Land $50,000 Building $365,000 | $415,000 Land $50,000 Building $365,000 | |
| 2022 | $3,502.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Two Rivers 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 | 1 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 321 Two Rivers Dr 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 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
| Brightspeed Fiber | 940 / 940 |
| T-Mobile Fixed Wireless | 100 / 20 |
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