Fluvanna County property record for 581 Paynes Mill Rd, Troy, VA 22974
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 1,159 sqft · built 1865 |
| Lot Size | 46.9 acres (2,046,449 sqft) |
| Owner | Individual Name on File |
| Last Sale | $408,740 (Mar 2011) |
| Tax Bill | $4,501 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 3 32 5 |
| Primary APN | 3 32 5 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,159 sqft Living Area |
| 1st Floor Area | 1,159 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1865 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Tin |
| Lot Area | 2,046,449 sqft (46.9 acres) |
| Terrain | Rolling |
| Porch | Patio |
|---|---|
| Porch Area | 260 sqft |
| Deck Area | 120 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 581 PAYNES MILL RD |
|---|---|
| City | TROY |
| State | VA |
| Zip | 22974-3605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A-1 |
| Legal Description | DB 839-857 AC 46.98 MINOR RIDGE |
| Legal Subdivision | MINOR RIDGE |
| Legal Block | 5 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20101 |
581 Paynes Mill Rd, a rural home, is owned and occupied by an individual who bought it in March 2011.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 581 PAYNES MILL RD, TROY, VA 22974-3605 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 2011 · Amount on File |
| Deed Sale | Mar 31, 2011 · Amount on File |
| Deed Document Number | 2011994 |
| Deed Book / Page | 839 / 857 |
| Prior Transfer Date | Mar 28, 2006 |
| Prior Transfer Doc | 000676/571 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 581 Paynes Mill Rd was $4,501, up 0.7% from the year before.
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 | $770,300 (%) Land $283,400 Building $486,900 | $770,300 (%) Land $283,400 Building $486,900 | |
| 2025 | $4,501.00 (+0.67%) | $770,310 Land $283,410 Building $486,900 | $770,310 Land $283,410 Building $486,900 |
| 2024 | $4,471.00 | ||
| 2023 | $639,900 Land $283,400 Building $356,500 | $639,900 Land $283,400 Building $356,500 | |
| 2022 | $3,931.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 581 Paynes Mill Rd 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 | 1 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 581 Paynes Mill Rd is low, with a 0.02% 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 | 0.02% 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 13 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 |
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