81 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 81 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,589 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,000 (Oct 2018)
Tax Bill	$2,466 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 28`

Property Details

APN / Parcel Number

Primary APN	`18A 6 28`
Alternative APN	`1673`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,589 sqft Living Area
Gross Area	4,041 sqft
1st Floor Area	1,568 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	236 sqft
Balcony Area	21 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1673
Street Address	81 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 180003362 RIVERSIDE-6 LOT 28 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	2
Legal Lot Number	28
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4006
Census Tract	20101

Owner

Source: Fluvanna County records, as of July 13, 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	81 RIVERSIDE DR, PALMYRA, VA 22963-2019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 13, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE
Oct 29, 2018	Deed, Transfer · FHA Mortgage FIRST HERITAGE MORTGAGE LLC
May 9, 2017	Deed, Transfer STEWART TITLE
May 9, 2017	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	May 9, 2017 · Amount on Record
Deed Document Number	20183362
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	May 5, 2026
Property Address	81 RIVERSIDE DR, PALMYRA, VA 22963-2019
Document Number	0000001314
Instrument Date	Mar 31, 2026
Instrument	20261314
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	81 RIVERSIDE DR, PALMYRA, VA 22963-2019

Mortgage

Document Number	0000001314,
Date	May 5, 2026
Instrument	20261314

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	81 RIVERSIDE DR, PALMYRA, VA 22963-2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2000099
Date	Jan 13, 2020
Instrument	2000099

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 29, 2018
Property Address	81 RIVERSIDE DR, PALMYRA, VA 22963-2019
Document Number	1803362
Map Reference	PB 82 PG 480
Instrument Date	Aug 6, 2018
Instrument	1803362
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 RIVERSIDE DR, PALMYRA, VA 22963-2019

Mortgage

Document Number	1803363
Date	Oct 29, 2018
Instrument	1803363

Lender

Name	FIRST HERITAGE MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 9, 2017
Property Address	81 RIVERSIDE DR, PALMYRA, VA 22963-2019
Document Number	1701468
Map Reference	PB 82 PG 480
Instrument Date	May 1, 2017
Instrument	1701468
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	81 RIVERSIDE DR, PALMYRA, VA 22963-2019

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 9, 2017
Property Address	81 RIVERSIDE DR, PALMYRA, VA 22963-2019
Document Number	1701468
Map Reference	PB 82 PG 480
Instrument Date	May 1, 2017
Instrument	1701468
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	81 RIVERSIDE DR, PALMYRA, VA 22963-2019

Mortgage

Document Number	1701469
Date	May 9, 2017
Instrument	1701469

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$326,700 (-) Land $30,000 Building $296,700	$326,700 (-) Land $30,000 Building $296,700
2025	$2,466.00 (+0.65%)	$326,700 (+21.72%) Land $30,000 Building $296,700	$326,700 (+21.72%) Land $30,000 Building $296,700
2024	$2,450.00 (+8.17%)
2023		$268,400 Land $30,000 Building $238,400	$268,400 Land $30,000 Building $238,400
2022	$2,265.00

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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