Fluvanna County property record for 538 Deep Creek Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,066 sqft · built 1977 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,692 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21 A 16A |
| Primary APN | 21 A 16A |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,066 sqft Living Area |
| Gross Area | 2,524 sqft |
| 1st Floor Area | 1,066 sqft |
| Basement Area | 1,066 sqft |
| Finished Basement | 1,066 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 435,600 sqft (10 acres) |
| Terrain | Rolling |
| Porch | Porch |
|---|---|
| Porch Area | 128 sqft |
| Deck Area | 64 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 3638 |
|---|---|
| Street Address | 538 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 | DB 188-483 AC 10.0 |
| Legal Block | 1 |
| Legal Lot Number | A |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | COLUMBIA |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 20200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 538 DEEP CREEK RD, PALMYRA, VA 22963-3600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 538 DEEP CREEK RD, PALMYRA, VA 22963-3600 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 1703578 |
|---|---|
| Date | Nov 3, 2017 |
| Instrument | 1703578 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Rate Type | Fixed Rate |
|---|
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 | $356,640 (-) Land $81,000 Building $275,640 | $356,640 (-) Land $81,000 Building $275,640 | |
| 2025 | $2,692.00 (+24.69%) | $356,640 (+39.37%) Land $81,000 Building $275,640 | $356,640 (+39.37%) Land $81,000 Building $275,640 |
| 2023 | $255,900 Land $81,000 Building $174,900 | $255,900 Land $81,000 Building $174,900 | |
| 2022 | $2,159.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 54% of Virginia |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
5G and 4G LTE (outdoors only)
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