70 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 70 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,752 sqft · built 2001
Lot Size	0.506 acres (22,041 sqft)
Owner	2 Individual Names on Record
Last Sale	$384,000 (May 2026)
Tax Bill	$2,299 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 62`

Property Details

APN / Parcel Number

Primary APN	`18A 6 62`
Alternative APN	`6993`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,752 sqft Living Area
Gross Area	4,432 sqft
1st Floor Area	1,752 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,041 sqft (0.506 acres)
Terrain	Rolling
Driveway	Paver Driveway

Exterior Amenities

Porch	Slab
Porch Area	44 sqft
Deck Area	80 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6993
Street Address	70 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 959-345 RIVERSIDE-6 LOT 62 22,023 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	6
Legal Lot Number	62
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4005
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	2 Individual Names on Record
Mailing Address	70 RIVERSIDE DR, PALMYRA, VA 22963-2024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed, Transfer · Conventional Mortgage UNITED BANK
May 17, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 25, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2026 · Amount on Record
Deed Sale	May 21, 2026 · Amount on Record
Prior Sale	Apr 13, 2016 · Amount on Record
Deed Document Number	20261512
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 21, 2026
Property Address	70 RIVERSIDE DR, PALMYRA, VA 22963-2024
Document Number	0000001512
Instrument Date	May 19, 2026
Instrument	20261512
Transaction Type	Transfer
Record Updated	Jun 2, 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	$38,784.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	70 RIVERSIDE DR, PALMYRA, VA 22963-2024

Mortgage

Document Number	0000001513,
Date	May 21, 2026
Instrument	20261513

Lender

Name	UNITED BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	70 RIVERSIDE DR, PALMYRA, VA 22963-2024
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001330
Date	May 17, 2023
Instrument	230001330

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	70 RIVERSIDE DR, PALMYRA, VA 22963-2024
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220000296
Date	Jan 25, 2022
Instrument	220000296

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	70 RIVERSIDE DR, PALMYRA, VA 22963-2024
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200004488
Date	Nov 4, 2020
Instrument	200004488

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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		$304,620 (-) Land $30,000 Building $274,620	$304,620 (-) Land $30,000 Building $274,620
2025	$2,299.00 (+0.66%)	$304,620 (+33.08%) Land $30,000 Building $274,620	$304,620 (+33.08%) Land $30,000 Building $274,620
2024	$2,284.00 (+18.28%)
2023		$228,900 Land $30,000 Building $198,900	$228,900 Land $30,000 Building $198,900
2022	$1,931.00

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	0.01% 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.

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 133 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

Cell Coverage

5G and 4G LTE (outdoors only)

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