532 Deep Creek Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 532 Deep Creek Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 2007
Lot Size	7.9 acres (344,124 sqft)
Owner	2 Individual Names on File
Last Sale	$202,975 (Dec 2018)
Tax Bill	$2,551 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20 A 37`

Property Details

APN / Parcel Number

Primary APN	`20 A 37`
Alternative APN	`6384`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,464 sqft
1st Floor Area	1,296 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	344,124 sqft (7.9 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	120 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	6384
Street Address	532 DEEP CREEK RD
City	PALMYRA
State	VA
Zip	22963-3600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 180003978 AC 7.9
Legal Block	3
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1041
Census Tract	20200

Owner

532 Deep Creek Rd is owned and occupied by two individuals who bought it in December 2018.

Source: Fluvanna County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	532 DEEP CREEK RD, PALMYRA, VA 22963-3600
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 1, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Jun 10, 2022	Deed of Trust, Mortgage · FHA Mortgage HUD
Oct 21, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Mar 12, 2021	Deed of Trust, Mortgage · FHA Mortgage HUD
Dec 27, 2018	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2018 · Amount on File
Deed Sale	Dec 27, 2018 · Amount on File
Prior Sale	Jan 20, 2005 · Amount on File
Deed Document Number	20183978
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	532 DEEP CREEK RD, PALMYRA, VA 22963-3600
Transaction Type	Mortgage
Record Updated	Aug 24, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002095
Date	Aug 1, 2023
Instrument	230002095

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	May 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	532 DEEP CREEK RD, PALMYRA, VA 22963-3600
Transaction Type	Mortgage
Record Updated	Jul 6, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220002143
Date	Jun 10, 2022
Instrument	220002143

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	532 DEEP CREEK RD, PALMYRA, VA 22963-3600
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210005289
Date	Oct 21, 2021
Instrument	210005289

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	532 DEEP CREEK RD, PALMYRA, VA 22963-3600
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001261
Date	Mar 12, 2021
Instrument	210001261

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 27, 2018
Property Address	532 DEEP CREEK RD, PALMYRA, VA 22963-3600
Document Number	1803978
Map Reference	PB 73 PG 501
Instrument Date	Dec 26, 2018
Instrument	1803978
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
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	532 DEEP CREEK RD, PALMYRA, VA 22963-3600

Mortgage

Document Number	1803979
Date	Dec 27, 2018
Instrument	1803979

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 532 Deep Creek Rd was $2,551.

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		$338,000 (-) Land $71,600 Building $266,400	$338,000 (-) Land $71,600 Building $266,400
2025	$2,551.00	$338,000 Land $71,600 Building $266,400	$338,000 Land $71,600 Building $266,400
2023		$241,200 Land $71,600 Building $169,600	$241,200 Land $71,600 Building $169,600
2022	$2,035.00

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

Flood

FEMA maps place 532 Deep Creek 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 532 Deep Creek 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 10 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

5G and 4G LTE (outdoors only)

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