Fluvanna County property record for 7 River Ridge Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,900 sqft · built 1994 |
| Lot Size | 0.438 acres (19,079 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,072 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 6 114 |
| Primary APN | 18A 6 114 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,900 sqft Living Area |
| Gross Area | 3,876 sqft |
| 1st Floor Area | 1,564 sqft |
| Basement Area | 1,564 sqft |
| Finished Basement | 1,564 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,079 sqft (0.438 acres) |
| Terrain | Rolling |
| View / Lot | Corner |
| Garage Type | Built-in |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 276 sqft |
| Deck Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 8226 |
|---|---|
| Street Address | 7 RIVER RIDGE DR |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | DB 113-496 RIVERSIDE-6 LOT 114 19,065 SF |
| Legal Block | 11 |
| Legal Lot Number | 114 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 20101 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 7 RIVER RIDGE DR, PALMYRA, VA 22963-2039 |
| 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 | 7 RIVER RIDGE DR, PALMYRA, VA 22963-2039 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220001895 |
|---|---|
| Date | May 23, 2022 |
| Instrument | 220001895 |
| Name | CITIZENS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
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 | $406,900 (-) Land $30,000 Building $376,900 | $406,900 (-) Land $30,000 Building $376,900 | |
| 2025 | $3,072.00 (+17.84%) | $406,900 (+31.73%) Land $30,000 Building $376,900 | $406,900 (+31.73%) Land $30,000 Building $376,900 |
| 2023 | $308,900 Land $30,000 Building $278,900 | $308,900 Land $30,000 Building $278,900 | |
| 2022 | $2,607.00 |
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 | 5 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE MONTICELLO private · serves 12,943 people · EPA ID VA2065480 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
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 |
4G LTE (outdoors only), no 5G reported
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