331 Oliver Ridge Ln, Troy, VA 22974 Property Records

Fluvanna County property record for 331 Oliver Ridge Ln, Troy, VA 22974

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,266 sqft · built 2014
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$560,585 (Feb 2025)
Tax Bill	$3,462 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4 45 6`

Property Details

APN / Parcel Number

Primary APN	`4 45 6`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,266 sqft Living Area
Gross Area	3,198 sqft
1st Floor Area	1,792 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	256 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	331 OLIVER RIDGE LN
City	TROY
State	VA
Zip	22974-4063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 250000403 AC 2.0 OLIVER RIDGE
Legal Subdivision	OLIVER RIDGE
Legal Block	6
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	2
Census Block	2030
Census Tract	20101

Owner

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	Individual Name on Record
Mailing Address	331 OLIVER RIDGE LN, TROY, VA 22974-4063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Intrafamily Transfer, Transfer
Jan 27, 2021	Deed, Transfer · VA Mortgage MEMBER OPTIONS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2025 · Amount on Record
Deed Sale	Feb 14, 2025 · Amount on Record
Prior Sale	Jan 27, 2021 · Amount on Record
Deed Document Number	2025403
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Feb 17, 2026
Property Address	331 OLIVER RIDGE LN, TROY, VA 22974-4063
Document Number	0260000455
Map Reference	MB 2 PG 190-193
Instrument Date	Feb 12, 2026
Instrument	260000455
Transaction Type	Transfer
Record Updated	Mar 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	331 OLIVER RIDGE LN, TROY, VA 22974-4063

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 27, 2021
Property Address	331 OLIVER RIDGE LN, TROY, VA 22974-4063
Document Number	0210000421
Map Reference	PB 2 PG 190
Instrument Date	Jan 13, 2021
Instrument	210000421
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$377.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 OLIVER RIDGE LN, TROY, VA 22974-4063

Mortgage

Document Number	0210000422
Date	Jan 27, 2021
Instrument	210000422

Lender

Name	MEMBER OPTIONS LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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		$458,600 (-0.01%) Land $50,000 Building $408,600	$458,600 (-0.01%) Land $50,000 Building $408,600
2025	$3,462.00 (+0.67%)	$458,640 (+21.4%) Land $50,000 Building $408,640	$458,640 (+21.4%) Land $50,000 Building $408,640
2024	$3,439.00 (+7.87%)
2023		$377,800 Land $50,000 Building $327,800	$377,800 Land $50,000 Building $327,800
2022	$3,188.00

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	0.02% 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 29 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

Cell Coverage

5G and 4G LTE (outdoors only)

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