4518 Ridge Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 4518 Ridge Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,860 sqft · built 2006
Lot Size	11.7 acres (509,652 sqft)
Owner	Individual Name on File
Tax Bill	$5,849 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11 A 69`

Property Details

APN / Parcel Number

Primary APN	`11 A 69`
Alternative APN	`8671`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,860 sqft Living Area
Gross Area	7,309 sqft
1st Floor Area	2,944 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2016
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	509,652 sqft (11.7 acres)
Terrain	Rolling
Garage Area	864 sqft
Driveway	Concrete Driveway
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	629 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8671
Street Address	4518 RIDGE RD
City	PALMYRA
State	VA
Zip	22963-4722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 996-74 AC 11.7
Legal Subdivision	KIRK HUGHES
Legal Block	6
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1028
Census Tract	20200

Owner

4518 Ridge Rd is owned and occupied by an individual who acquired it in September 2017.

Source: Fluvanna County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	4518 RIDGE RD, PALMYRA, VA 22963-4722
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORPORATION
Apr 2, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Sep 29, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2017
Deed Sale	Sep 29, 2017
Deed Document Number	20173173
Prior Transfer Date	Sep 13, 2017
Prior Transfer Doc	0000003173
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Aug 27, 2026
Property Address	4518 RIDGE RD, PALMYRA, VA 22963-4722
Document Number	0000002626
Instrument Date	Aug 24, 2026
Instrument	20262626
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	2020 TITLE LLC, 2020 TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002626,
Date	Aug 27, 2026
Instrument	20262626

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4518 RIDGE RD, PALMYRA, VA 22963-4722
Transaction Type	Mortgage
Record Updated	May 1, 2024
Title Company	ALL REPUBLIC NATIONAL TITLE, REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0240000754
Date	Apr 2, 2024
Instrument	240000754

Lender

Name	FIGURE LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	4518 RIDGE RD, PALMYRA, VA 22963-4722
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001728
Date	Jun 27, 2023
Instrument	230001728

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 29, 2017
Property Address	4518 RIDGE RD, PALMYRA, VA 22963-4722
Document Number	1703173
Map Reference	PB 619 PG 610
Instrument Date	Sep 13, 2017
Instrument	1703173
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4518 RIDGE RD, PALMYRA, VA 22963-4722

Tax Assessment & Valuation

The 2025 property tax bill for 4518 Ridge Rd was $5,849, 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		$815,100 (+0.01%) Land $88,700 Building $726,400	$815,100 (+0.01%) Land $88,700 Building $726,400
2025	$5,849.00 (+0.65%)	$815,050 Land $88,650 Building $726,400	$815,050 Land $88,650 Building $726,400
2024	$5,811.00
2023		$701,200 Land $88,700 Building $612,500	$701,200 Land $88,700 Building $612,500
2022	$5,578.00

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

Flood

FEMA maps place 4518 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

Wildfire risk around 4518 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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

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