655 Indigo Ln, Troy, VA 22974 Property Records

Fluvanna County property record for 655 Indigo Ln, Troy, VA 22974

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,719 sqft · built 2014
Lot Size	0.532 acres (23,174 sqft)
Owner	Trust Name on File
Last Sale	$250,000 (Mar 2021)
Tax Bill	$2,677 (2025)
Deeds & Mortgages	Oct 2022 Transfer Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10 23 72`

Property Details

APN / Parcel Number

Primary APN	`10 23 72`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,719 sqft Living Area
Gross Area	2,182 sqft
1st Floor Area	1,584 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,174 sqft (0.532 acres)
Terrain	Rolling
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	120 sqft
Balcony Area	31 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	655 INDIGO LN
City	TROY
State	VA
Zip	22974-4369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 220003796 AC 0.532 SYCAMORE LANDING RURAL CLUSTER DEV
Legal Subdivision	SYCAMORE LANDING
Legal Block	7
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1007
Census Tract	20101

Owner

655 Indigo Ln is owner-occupied and held in a trust since October 2022.

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

Owner of Record	Trust Name on File
Mailing Address	655 INDIGO LN, TROY, VA 22974-4369
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Oct 25, 2022	Intrafamily Transfer, Transfer
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU INC
Aug 27, 2020	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Mar 9, 2021	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2021 · Amount on File
Deed Sale	Mar 9, 2021 · Amount on File
Prior Sale	Aug 27, 2020 · Amount on File
Deed Document Number	20211185
Last Transfer Date	Oct 25, 2022
Transfer Doc	0000003796
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Oct 25, 2022
Property Address	655 INDIGO LN, TROY, VA 22974-4369
Document Number	0220003796
Map Reference	PB 2 PG 204
Instrument Date	Oct 25, 2022
Instrument	220003796
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 INDIGO LN, TROY, VA 22974-4369

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	655 INDIGO LN, TROY, VA 22974-4369
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200002369
Date	Jul 1, 2020
Instrument	200002369

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 27, 2020
Property Address	655 INDIGO LN, TROY, VA 22974-4369
Document Number	200003266
Map Reference	DB 942 PG 246
Instrument Date	Aug 24, 2020
Instrument	200003266
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 INDIGO LN, PALMYRA, VA 22963

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 9, 2021
Property Address	655 INDIGO LN, TROY, VA 22974-4369
Document Number	210001185
Map Reference	PB 2 PG 204
Instrument Date	Aug 24, 2020
Instrument	210001185
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 INDIGO LN, TROY, VA 22974-4369

Tax Assessment & Valuation

The 2025 property tax bill for 655 Indigo Ln was $2,677.

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		$354,600 (-) Land $35,000 Building $319,600	$354,600 (-) Land $35,000 Building $319,600
2025	$2,677.00	$354,600 Land $35,000 Building $319,600	$354,600 Land $35,000 Building $319,600
2023		$280,500 Land $35,000 Building $245,500	$280,500 Land $35,000 Building $245,500
2022	$2,367.00

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

Flood

FEMA maps place 655 Indigo Ln 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	2 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

Wildfire risk around 655 Indigo Ln is low, with a 0.03% 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	0.03% 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 67 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

Cell Coverage

5G and 4G LTE (outdoors only)

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