899 Cold Spring Trl, Palmyra, VA 22963 Property Records

Fluvanna County property record for 899 Cold Spring Trl, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,564 sqft · built 1990
Lot Size	12 acres (522,720 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Nov 2018)
Tax Bill	$2,438 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12 5 3C`

Property Details

APN / Parcel Number

Primary APN	`12 5 3C`
Alternative APN	`11359`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,564 sqft Living Area
Gross Area	2,508 sqft
1st Floor Area	1,564 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	522,720 sqft (12 acres)
Terrain	Rolling
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Deck Area	404 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11359
Street Address	899 COLD SPRING TRL
City	PALMYRA
State	VA
Zip	22963-4656
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 180003629 AC 12.00
Legal Lot Number	C
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1022
Census Tract	20200

Owner

Source: Fluvanna County records · APN 12 5 3C

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	899 COLD SPRING TRL, PALMYRA, VA 22963-4656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Nov 26, 2018	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 26, 2018 · Amount on Record
Deed Sale	Nov 26, 2018 · Amount on Record
Prior Sale	May 23, 2016 · Amount on Record
Deed Document Number	20183629
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	899 COLD SPRING TRL, PALMYRA, VA 22963-4656
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000232
Date	Jan 15, 2021
Instrument	210000232

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

Interest

Rate Type	Fixed Rate

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 26, 2018
Property Address	899 COLD SPRING TRL, PALMYRA, VA 22963-4656
Document Number	1803629
Map Reference	PB 1 PG 42
Instrument Date	Nov 08, 2018
Instrument	1803629
Transaction Type	Transfer
Record Updated	Jul 06, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	899 COLD SPRING TRL, PALMYRA, VA 22963-4656

Mortgage

Document Number	1803630
Date	Nov 26, 2018
Instrument	1803630

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Fluvanna County records · Assessment roll updated June 25, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$323,000 (-) Land $90,000 Building $233,000	$323,000 (-) Land $90,000 Building $233,000
2025	$2,438.00 (+4.73%)	$323,000 (+17.07%) Land $90,000 Building $233,000	$323,000 (+17.07%) Land $90,000 Building $233,000
2023		$275,900 Land $90,000 Building $185,900	$275,900 Land $90,000 Building $185,900
2022	$2,328.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 25, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Central Virginia Electric Cooperative Fiber	1,000 / 1,000

Based on FCC filings for 2 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cold Spring Trl

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