52 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 52 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1996
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Jan 2026)
Tax Bill	$1,965 (2025)
Deeds & Mortgages	May 2005 Mortgage Nov 2011 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 54`

Property Details

APN / Parcel Number

Primary APN	`18A 6 54`
Alternative APN	`9090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,692 sqft
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	64 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9090
Street Address	52 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180003212 RIVERSIDE-6 LOT 54 15,000 SF
Legal Subdivision	RIVERSIDE
Legal Block	5
Legal Lot Number	54
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4005
Census Tract	20101

Owner

Source: Fluvanna County records, as of June 25, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	52 RIVERSIDE DR, PALMYRA, VA 22963-2024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 2, 2005	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 15, 2011	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 16, 2026	Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Oct 17, 2018	Deed, Transfer · Conventional Mortgage TRUSTWORTHY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	Oct 17, 2018 · Amount on Record
Deed Document Number	2026152
Record Updated	Sep 20, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	52 RIVERSIDE DR, PALMYRA, VA 22963-2024
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000630/428
Date	May 2, 2005
Book Page	630/428
Instrument	2861

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2035

Interest

Rate	6.5%

November 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	52 RIVERSIDE DR, PALMYRA, VA 22963-2024
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000853/385
Date	Nov 15, 2011
Book Page	853/385
Instrument	1103483

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 16, 2026
Property Address	52 RIVERSIDE DR, PALMYRA, VA 22963-2024
Document Number	0260000152
Instrument Date	Jan 14, 2026
Instrument	260000152
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$269.00
Amount Accuracy	Full Amount Stated
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	52 RIVERSIDE DR, PALMYRA, VA 22963-2024

Mortgage

Document Number	0260000153
Date	Jan 16, 2026
Instrument	260000153

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 17, 2018
Property Address	52 RIVERSIDE DR, PALMYRA, VA 22963-2024
Document Number	1803212
Map Reference	PB 82 PG 481
Instrument Date	Oct 4, 2018
Instrument	1803212
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
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	52 RIVERSIDE DR, PALMYRA, VA 22963-2024

Mortgage

Document Number	1803213
Date	Oct 17, 2018
Instrument	1803213

Lender

Name	TRUSTWORTHY MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	5.13%

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		$260,300 (-) Land $30,000 Building $230,300	$260,300 (-) Land $30,000 Building $230,300
2025	$1,965.00 (+0.67%)	$260,300 (+47.23%) Land $30,000 Building $230,300	$260,300 (+47.23%) Land $30,000 Building $230,300
2024	$1,952.00 (+30.83%)
2023		$176,800 Land $30,000 Building $146,800	$176,800 Land $30,000 Building $146,800
2022	$1,492.00

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 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

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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