3322 Ridge Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 3322 Ridge Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 960 sqft · built 1986
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Sep 2017)
Tax Bill	$1,509 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20 9 8`

Property Details

APN / Parcel Number

Primary APN	`20 9 8`
Alternative APN	`11537`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Aluminum Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11537
Street Address	3322 RIDGE RD
City	PALMYRA
State	VA
Zip	22963-4014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 994-188 AC 2.0
Legal Subdivision	MEADOWFIELDS
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1042
Census Tract	20200

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	2 Individual Names on Record
Mailing Address	3322 RIDGE RD, PALMYRA, VA 22963-4014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Line of Credit ATLANTIC UNION BANK
Sep 15, 2021	Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FINANCE INC
Sep 5, 2017	Deed, Transfer · VA Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2017 · Amount on Record
Deed Sale	Sep 5, 2017 · Amount on Record
Prior Sale	Jan 29, 2007 · Amount on Record
Deed Document Number	20172858
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3322 RIDGE RD, PALMYRA, VA 22963-4014
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3322 RIDGE RD, PALMYRA, VA 22963-4014

Mortgage

Document Number	0260000514
Date	Feb 23, 2026
Instrument	260000514

Lender

Name	ATLANTIC UNION BANK
Type	Bank
Address	PALMYRA, VA 22963

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	3322 RIDGE RD, PALMYRA, VA 22963-4014
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210004634
Date	Sep 15, 2021
Instrument	210004634

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 5, 2017
Property Address	3322 RIDGE RD, PALMYRA, VA 22963-4014
Document Number	1702858
Map Reference	PB 163 PG 782
Instrument Date	Aug 24, 2017
Instrument	1702858
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3322 RIDGE RD, PALMYRA, VA 22963-4014

Mortgage

Document Number	1702859
Date	Sep 5, 2017
Instrument	1702859

Lender

Name	PRIMELENDING

Agreement

Type	VA 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		$199,890 (-) Land $45,000 Building $154,890	$199,890 (-) Land $45,000 Building $154,890
2025	$1,509.00 (+22.68%)	$199,890 (+37.1%) Land $45,000 Building $154,890	$199,890 (+37.1%) Land $45,000 Building $154,890
2023		$145,800 Land $45,000 Building $100,800	$145,800 Land $45,000 Building $100,800
2022	$1,230.00

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 · 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures