7 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 7 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1999
Lot Size	0.368 acres (16,030 sqft)
Owner	Individual Name on Record
Last Sale	$306,000 (Apr 2026)
Tax Bill	$2,131 (2025)
Deeds & Mortgages	Mar 2009 Mortgage Feb 2014 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 249`

Property Details

APN / Parcel Number

Primary APN	`18A 6 249`
Alternative APN	`2013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	3,096 sqft
1st Floor Area	1,248 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2012
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,030 sqft (0.368 acres)
Terrain	Rolling
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2013
Street Address	7 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 535-615 RIVERSIDE-6 LOT 249 16,041 SF
Legal Subdivision	PHASE 6 RIVERSIDE, LAKE MONTICEL
Legal Block	24
Legal Lot Number	249
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4002
Census Tract	20101

Owner

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	7 RIVERSIDE DR, PALMYRA, VA 22963-2016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2009	Deed of Trust, Mortgage UVA CMNTY CU INC
Feb 26, 2014	Deed of Trust, Mortgage · Conventional Mortgage USAA FSB
Jan 6, 2016	Deed of Trust, Mortgage · Conventional Mortgage VIRGINIA CU INC
Apr 17, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Deed Document Number	20261118
Record Updated	Sep 20, 2026

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 RIVERSIDE DR, PALMYRA, VA 22963-2016
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000786/062
Date	Mar 4, 2009
Book Page	786/062
Instrument	0703

Lender

Name	UVA CMNTY CU INC
Address	CHARLOTTESVILLE, VA 22901

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 15, 2014

February 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 RIVERSIDE DR, PALMYRA, VA 22963-2016
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000913/505
Date	Feb 26, 2014
Book Page	913/505
Instrument	1400520

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2029

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	7 RIVERSIDE DR, PALMYRA, VA 22963-2016
Transaction Type	Mortgage
Record Updated	May 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001600042
Date	Jan 6, 2016
Instrument	1600042

Lender

Name	VIRGINIA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Jan 5, 2027

Interest

Rate Type	Fixed Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 17, 2026
Property Address	7 RIVERSIDE DR, PALMYRA, VA 22963-2016
Document Number	0000001118
Instrument Date	Apr 15, 2026
Instrument	2026.1118
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,906.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 RIVERSIDE DR, PALMYRA, VA 22963-2016

Mortgage

Document Number	0000001119,
Date	Apr 17, 2026
Instrument	2026..1119

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

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		$282,300 (-) Land $30,000 Building $252,300	$282,300 (-) Land $30,000 Building $252,300
2025	$2,131.00 (+0.66%)	$282,300 (+50.8%) Land $30,000 Building $252,300	$282,300 (+50.8%) Land $30,000 Building $252,300
2024	$2,117.00 (+34.07%)
2023		$187,200 Land $30,000 Building $157,200	$187,200 Land $30,000 Building $157,200
2022	$1,579.00

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 · 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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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