Fluvanna County property record for 436 Two Rivers Dr, Troy, VA 22974
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,076 sqft · built 2015 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $45,000 (May 2015) |
| Tax Bill | $3,504 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 9 9 20 |
| Primary APN | 9 9 20 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,076 sqft Living Area |
| Gross Area | 3,072 sqft |
| 1st Floor Area | 1,812 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Fiber Cement Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 30,056 sqft (0.69 acres) |
| Terrain | Rolling |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Deck Area | 12 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 436 TWO RIVERS DR |
|---|---|
| City | TROY |
| State | VA |
| Zip | 22974-3981 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | DB 939-595 AC 0.69 TWIN RIVERS CLUSTER SUBDIVISION |
| Legal Subdivision | CLUSTER SUBDIVISION |
| Legal Block | 20 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 20101 |
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 | 436 TWO RIVERS DR, TROY, VA 22974-3981 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2015 · Amount on Record |
| Deed Sale | May 13, 2015 · Amount on Record |
| Deed Document Number | 20151412 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 436 TWO RIVERS DR, TROY, VA 22974-3981 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230000822 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 230000822 |
| Name | VIRGINIA COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $464,200 (-) Land $50,000 Building $414,200 | $464,200 (-) Land $50,000 Building $414,200 | |
| 2025 | $3,504.00 (+11.1%) | $464,200 (+24.22%) Land $50,000 Building $414,200 | $464,200 (+24.22%) Land $50,000 Building $414,200 |
| 2023 | $373,700 Land $50,000 Building $323,700 | $373,700 Land $50,000 Building $323,700 | |
| 2022 | $3,154.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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