Fluvanna County property record for 46 Spruce Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,853 sqft · built 2015 |
| Lot Size | 0.104 acres (4,530 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $339,900 (Jun 2023) |
| Tax Bill | $2,437 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17A 1 14 |
| Primary APN | 17A 1 14 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,853 sqft Living Area |
| Gross Area | 4,830 sqft |
| 1st Floor Area | 1,733 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Townhouse |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,530 sqft (0.104 acres) |
| Terrain | Rolling |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 46 SPRUCE DR |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-6230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | INST 230001483 AC 0.104 NAHOR VILLAGE |
| Legal Subdivision | NAHOR VILLAGE |
| Legal Block | 1 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 20104 |
46 Spruce Dr is owned and occupied by two individuals who acquired it in September 2024.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 SPRUCE DR, PALMYRA, VA 22963-6230 |
| 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 2, 2023 | Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA |
| Dec 6, 2021 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE JAMES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2023 · Amount on File |
| Deed Sale | Jun 2, 2023 · Amount on File |
| Prior Sale | Jun 29, 2015 |
| Deed Document Number | 20231483 |
| Last Transfer Date | Sep 4, 2024 |
| Transfer Doc | 0000002457 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 46 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2023 |
| Title Company | SAGE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0230001484 |
|---|---|
| Date | Jun 2, 2023 |
| Instrument | 230001484 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 46 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0210005973 |
|---|---|
| Date | Dec 6, 2021 |
| Instrument | 210005973 |
| Name | BANK OF THE JAMES |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 46 Spruce Dr was $2,437.
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 | $322,800 (-) Land $33,000 Building $289,800 | $322,800 (-) Land $33,000 Building $289,800 | |
| 2025 | $2,437.00 | $322,800 Land $33,000 Building $289,800 | $322,800 Land $33,000 Building $289,800 |
| 2023 | $291,900 Land $33,000 Building $258,900 | $291,900 Land $33,000 Building $258,900 | |
| 2022 | $2,463.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Spruce 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 | 7 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 risk around 46 Spruce Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 84 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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