488 Bremo Rd, Bremo Bluff, VA 23022 Property Records

Fluvanna County property record for 488 Bremo Rd, Bremo Bluff, VA 23022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1978
Lot Size	0.776 acres (33,803 sqft)
Owner	Individual Name on Record
Tax Bill	$1,318 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`58 A 25`

Property Details

APN / Parcel Number

Primary APN	`58 A 25`
Alternative APN	`9311`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	1,232 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1993
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	33,803 sqft (0.776 acres)
Terrain	Rolling
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	9311
Street Address	488 BREMO RD
City	BREMO BLUFF
State	VA
Zip	23022-2182
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 240001901 AC .776
Legal Block	2
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	4
Census Block	4025
Census Tract	20200

Owner

Source: Fluvanna County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	488 BREMO RD, BREMO BLUFF, VA 23022-2182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE INC
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2026
Deed Sale	Sep 28, 2026
Prior Sale	Oct 19, 2010 · Amount on Record
Deed Document Number	20262951
Prior Transfer Date	Sep 23, 2026
Prior Transfer Doc	0000002951
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 28, 2026
Property Address	488 BREMO RD, BREMO BLUFF, VA 23022-2182
Document Number	0000002951
Instrument Date	Sep 23, 2026
Instrument	20262951
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 BREMO RD, BREMO BLUFF, VA 23022-2182

Mortgage

Document Number	0000002952,
Date	Sep 28, 2026
Instrument	20262952

Lender

Name	MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	488 BREMO RD, BREMO BLUFF, VA 23022-2182
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210004653
Date	Sep 16, 2021
Instrument	210004653

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$174,700 (-) Land $30,000 Building $144,700	$174,700 (-) Land $30,000 Building $144,700
2025	$1,318.00 (+5.95%)	$174,700 (+18.52%) Land $30,000 Building $144,700	$174,700 (+18.52%) Land $30,000 Building $144,700
2023		$147,400 Land $30,000 Building $117,400	$147,400 Land $30,000 Building $117,400
2022	$1,244.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1985–1996)
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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