Fluvanna County property record for 89 Riverside Dr, Palmyra, VA 22963 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,568 sqft · built 2002 |
| Lot Size | 0.344 acres (14,985 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Oct 2024) |
| Tax Bill | $2,696 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage Dec 2005 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 6 32 |
| Primary APN | 18A 6 32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,568 sqft Living Area |
| Gross Area | 3,452 sqft |
| 1st Floor Area | 1,568 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,985 sqft (0.344 acres) |
| Terrain | Rolling |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 64 sqft |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 2976 |
|---|---|
| Street Address | 89 RIVERSIDE DR |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INST 240002644 RIVERSIDE-6 LOT 32 15,000 SF |
| Legal Subdivision | RIVERSIDE LAKE MONTICELLO |
| Legal Block | 3 |
| Legal Lot Number | 32 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 20101 |
Source: Fluvanna County records · APN 18A 6 32
Assessment roll updated June 25, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 05, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE |
| Dec 28, 2005 | Deed of Trust, Mortgage UVA COMMUNITY CREDIT UNION INC |
| Oct 15, 2024 | Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE |
| May 31, 2023 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK |
| Aug 05, 2021 | Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Mar 20, 2018 | Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE |
| Jun 15, 2007 | Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 15, 2024 · Amount on Record |
| Deed Sale | Oct 15, 2024 · Amount on Record |
| Prior Sale | Apr 11, 2024 · Amount on Record |
| Deed Document Number | 20242644 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001902684 |
|---|---|
| Date | Sep 05, 2019 |
| Instrument | 1902684 |
| Name | WATERSTONE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000665/834 |
|---|---|
| Date | Dec 28, 2005 |
| Book Page | 665/834 |
| Instrument | 8755 |
| Name | UVA COMMUNITY CREDIT UNION INC |
|---|---|
| Address | CHARLOTTESVILLE, VA 22901 |
| Amount | Amount Recorded |
|---|---|
| Term | 61 Months |
| Due | Jan 03, 2011 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Oct 15, 2024 |
| Property Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 0240002644 |
| Map Reference | DB 82 PG 480 |
| Instrument Date | Oct 02, 2024 |
| Instrument | 240002644 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 0240002645 |
|---|---|
| Date | Oct 15, 2024 |
| Instrument | 240002645 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2054 |
| Document Number | 0240002646 |
|---|---|
| Date | Oct 15, 2024 |
| Instrument | 240002646 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | May 31, 2023 |
| Property Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 0230001450 |
| Map Reference | DB 82 PG 480 |
| Instrument Date | May 26, 2023 |
| Instrument | 230001450 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $341.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 0230001451 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 230001451 |
| Name | WELLS FARGO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Aug 05, 2021 |
| Property Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 0210003935 |
| Map Reference | DB 82 PG 480 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 210003935 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $295.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 0210003936 |
|---|---|
| Date | Aug 05, 2021 |
| Instrument | 210003936 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Mar 20, 2018 |
| Property Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 0001800820 |
| Map Reference | PB 82 PG 480 |
| Instrument Date | Mar 07, 2018 |
| Instrument | 1800820 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 0001800821 |
|---|---|
| Date | Mar 20, 2018 |
| Instrument | 1800821 |
| Name | WATERSTONE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jun 15, 2007 |
| Property Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 000732/831 |
| Book / Page | 732 / 831 |
| Map Reference | DD82 PG481 |
| Instrument Date | Jun 11, 2007 |
| Instrument | 3324 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $227.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 89 RIVERSIDE DR, PALMYRA, VA 22963-2019 |
| Document Number | 000732/837 |
|---|---|
| Date | Jun 15, 2007 |
| Book Page | 732/837 |
| Instrument | 3326 |
| Name | COMMERCE BANK NA |
|---|---|
| Type | Bank |
| Address | CHERRY HILL, NJ 08034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2037 |
Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $357,200 (-) Land $30,000 Building $327,200 | $357,200 (-) Land $30,000 Building $327,200 | |
| 2025 | $2,696.00 (+0.63%) | $357,200 (+41.02%) Land $30,000 Building $327,200 | $357,200 (+41.02%) Land $30,000 Building $327,200 |
| 2024 | $2,679.00 (+25.36%) | ||
| 2023 | $253,300 Land $30,000 Building $223,300 | $253,300 Land $30,000 Building $223,300 | |
| 2022 | $2,137.00 |
Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 29% of Virginia |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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