Fluvanna County property record for 88 Spruce Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,574 sqft · built 2015 |
| Lot Size | 0.104 acres (4,530 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $245,000 (Sep 2020) |
| Tax Bill | $2,563 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17A 1 20 |
| Primary APN | 17A 1 20 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,574 sqft Living Area |
| Gross Area | 3,620 sqft |
| 1st Floor Area | 1,574 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Townhouse |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,530 sqft (0.104 acres) |
| Terrain | Rolling |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 36 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 88 SPRUCE DR |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-6230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | INST 200003523 AC 0.104 NAHOR VILLAGE |
| Legal Subdivision | NAHOR VILLAGE |
| Legal Block | 2 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | CUNNINGHAM |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 20104 |
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 | 88 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2020 · Amount on Record |
| Deed Sale | Sep 10, 2020 · Amount on Record |
| Prior Sale | Feb 26, 2016 |
| Deed Document Number | 20203523 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Sep 10, 2020 |
| Property Address | 88 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Document Number | 200003523 |
| Map Reference | DB 956 PG 992 |
| Instrument Date | Sep 3, 2020 |
| Instrument | 200003523 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 88 SPRUCE DR, PALMYRA, VA 22963-6230 |
| Document Number | 200003524 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 200003524 |
| Name | MEMBER OPTIONS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $339,600 (-) Land $33,000 Building $306,600 | $339,600 (-) Land $33,000 Building $306,600 | |
| 2025 | $2,563.00 (+3.26%) | $339,600 (+15.47%) Land $33,000 Building $306,600 | $339,600 (+15.47%) Land $33,000 Building $306,600 |
| 2023 | $294,100 Land $33,000 Building $261,100 | $294,100 Land $33,000 Building $261,100 | |
| 2022 | $2,482.00 |
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 | 7 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 214 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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