589 Ghost Dance Ln, Troy, VA 22974 Property Records

Fluvanna County property record for 589 Ghost Dance Ln, Troy, VA 22974

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,796 sqft · built 2017
Lot Size	10 acres (435,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$72,000 (Jan 2016)
Tax Bill	$7,062 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5 22 5`

Property Details

APN / Parcel Number

Primary APN	`5 22 5`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,796 sqft Living Area
Gross Area	7,963 sqft
1st Floor Area	3,124 sqft
Basement Area	2,055 sqft
Unfinished Basement	2,055 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Terrain	Rolling
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	461 sqft
Patio Area	461 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	589 GHOST DANCE LN
City	TROY
State	VA
Zip	22974-3979
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	DB 955-081 AC 10.0 WOUNDED KNEE ESTATES
Legal Subdivision	WOUNDED KNEE ESTATES
Legal Block	5
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	2
Census Block	2032
Census Tract	20101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	589 GHOST DANCE LN, TROY, VA 22974-3979
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA MTG LLC
Oct 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2016 · Amount on Record
Deed Sale	Jan 12, 2016 · Amount on Record
Deed Document Number	201697
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	589 GHOST DANCE LN, TROY, VA 22974-3979
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000455
Date	Jan 29, 2021
Instrument	210000455

Lender

Name	FINANCE AMERICA MTG LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	589 GHOST DANCE LN, TROY, VA 22974-3979
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1703499
Date	Oct 27, 2017
Instrument	1703499

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

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		$935,400 (-) Land $86,000 Building $849,400	$935,400 (-) Land $86,000 Building $849,400
2025	$7,062.00 (+19.19%)	$935,400 (+33.23%) Land $86,000 Building $849,400	$935,400 (+33.23%) Land $86,000 Building $849,400
2023		$702,100 Land $86,000 Building $616,100	$702,100 Land $86,000 Building $616,100
2022	$5,925.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 67% of the US · above 54% 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 1 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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