39 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 39 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 2002
Lot Size	0.391 acres (17,032 sqft)
Owner	2 Individual Names on File
Last Sale	$287,000 (May 2025)
Tax Bill	$1,839 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 6 5`

Property Details

APN / Parcel Number

Primary APN	`18A 6 5`
Alternative APN	`10109`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
Gross Area	1,680 sqft
1st Floor Area	1,392 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,032 sqft (0.391 acres)
Terrain	Rolling
Porch	Slab
Porch Area	144 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10109
Street Address	39 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	WB 77-402 RIVERSIDE-6 LOT 5 17,039 SF
Legal Subdivision	RIVERSIDE
Legal Lot Number	5
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

39 Riverside Dr 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	39 RIVERSIDE DR, PALMYRA, VA 22963-2017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 30, 2025	Deed, Transfer · VA Mortgage INTERCOASTAL MORTGAGE LLC
May 1, 2018	Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	May 1, 2018 · Amount on File
Deed Document Number	20251596
Record Updated	Oct 29, 2026

May 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 30, 2025
Property Address	39 RIVERSIDE DR, PALMYRA, VA 22963-2017
Document Number	0250001596
Map Reference	DB 82 PG 481
Instrument Date	May 20, 2025
Instrument	250001596
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	SABE TITLE, SAGE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	39 RIVERSIDE DR, PALMYRA, VA 22963-2017
Investor	Possibly a Property Investor

Mortgage

Document Number	0250001597
Date	May 30, 2025
Instrument	250001597

Lender

Name	INTERCOASTAL MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 1, 2018
Property Address	39 RIVERSIDE DR, PALMYRA, VA 22963-2017
Document Number	0001801359
Map Reference	PB 82 PG 481
Instrument Date	Apr 18, 2018
Instrument	1801359
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 RIVERSIDE DR, PALMYRA, VA 22963-2017

Mortgage

Document Number	0001801360
Date	May 1, 2018
Instrument	1801360

Lender

Name	FINANCE OF AMERICA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 39 Riverside Dr was $1,839, up 0.7% from the year before.

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		$243,600 (-) Land $30,000 Building $213,600	$243,600 (-) Land $30,000 Building $213,600
2025	$1,839.00 (+0.66%)	$243,600 Land $30,000 Building $213,600	$243,600 Land $30,000 Building $213,600
2024	$1,827.00
2023		$198,700 Land $30,000 Building $168,700	$198,700 Land $30,000 Building $168,700
2022	$1,677.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 39 Riverside 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	5 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

Wildfire risk around 39 Riverside Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE MONTICELLO private · serves 12,943 people · EPA ID VA2065480
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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