Fluvanna County property record for 3471 Ridge Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,104 sqft · built 1995 |
| Lot Size | 2.42 acres (105,633 sqft) |
| Owner | Individual Name on File |
| Last Sale | $129,500 (Mar 2020) |
| Tax Bill | $1,060 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Mar 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20 16 2 |
| Primary APN | 20 16 2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| Gross Area | 2,304 sqft |
| 1st Floor Area | 1,104 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| 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 | 105,633 sqft (2.42 acres) |
| Terrain | Rolling |
| Deck Area | 48 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12819 |
|---|---|
| Street Address | 3471 RIDGE RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-4728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | DB 658-191 AC 2.425 BYBEE ESTATES |
| Legal Subdivision | BYBEE ESTATES |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | COLUMBIA |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 20200 |
3471 Ridge Rd is owned and occupied by an individual who bought it in March 2020.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3471 RIDGE RD, PALMYRA, VA 22963-4728 |
| 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.
| Date | Document |
|---|---|
| Jun 14, 2023 | Deed of Trust, Mortgage · Line of Credit VIRGINIA COMMUNITY CU |
| Mar 27, 2020 | Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2020 · Amount on File |
| Deed Sale | Mar 27, 2020 · Amount on File |
| Prior Sale | Oct 27, 2005 · Amount on File |
| Deed Document Number | 20201047 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 3471 RIDGE RD, PALMYRA, VA 22963-4728 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230001599 |
|---|---|
| Date | Jun 14, 2023 |
| Instrument | 230001599 |
| Name | VIRGINIA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Mar 27, 2020 |
| Property Address | 3471 RIDGE RD, PALMYRA, VA 22963-4728 |
| Document Number | 200001047 |
| Map Reference | DB 223 PG 817 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 200001047 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $158.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 PLUM CT, PALMYRA, VA 22963-4943 |
The 2025 property tax bill for 3471 Ridge Rd was $1,060.
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 | $140,500 (-) Land $46,900 Building $93,600 | $140,500 (-) Land $46,900 Building $93,600 | |
| 2025 | $1,060.00 | $140,500 Land $46,900 Building $93,600 | $140,500 Land $46,900 Building $93,600 |
| 2023 | $114,100 Land $46,900 Building $67,200 | $114,100 Land $46,900 Building $67,200 | |
| 2022 | $963.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3471 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 3471 Ridge Rd is low, with a 0.04% 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 | 0.04% 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 13 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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