913 Deep Creek Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 913 Deep Creek Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,452 sqft · built 2019
Lot Size	2.04 acres (88,862 sqft)
Owner	Individual Name on Record
Last Sale	$210,600 (Dec 2019)
Tax Bill	$2,104 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21 22 1`

Property Details

APN / Parcel Number

Primary APN	`21 22 1`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,452 sqft Living Area
Gross Area	2,531 sqft
1st Floor Area	1,440 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2022
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	88,862 sqft (2.04 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	85 sqft
Deck Area	120 sqft
Patio Area	154 sqft
Balcony Area	12 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	913 DEEP CREEK RD
City	PALMYRA
State	VA
Zip	22963-4771
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 190003740 AC 2.04 SANDRIDGE
Legal Subdivision	SANDRIDGE
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1029
Census Tract	20200

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	Individual Name on Record
Mailing Address	913 DEEP CREEK RD, PALMYRA, VA 22963-4771
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Dec 6, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jun 5, 2018	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2019 · Amount on Record
Deed Sale	Dec 6, 2019 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	20193740
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Jul 27, 2026
Property Address	913 DEEP CREEK RD, PALMYRA, VA 22963-4771
Document Number	0000002259
Instrument Date	Jul 22, 2026
Instrument	20262259
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 DEEP CREEK RD, PALMYRA, VA 22963-4771

Mortgage

Document Number	0000002259,
Date	Jul 27, 2026
Instrument	20262259

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.49%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	913 DEEP CREEK RD, PALMYRA, VA 22963-4771
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210001179
Date	Mar 9, 2021
Instrument	210001179

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

December 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Dec 6, 2019
Property Address	913 DEEP CREEK RD, PALMYRA, VA 22963-4771
Document Number	1903740
Map Reference	PB 3 PG 2
Instrument Date	Dec 4, 2019
Instrument	1903740
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$422.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 DEEP CREEK RD, PALMYRA, VA 22963-4771

Mortgage

Document Number	1903741
Date	Dec 6, 2019
Instrument	1903741

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 5, 2018
Property Address	913 DEEP CREEK RD, PALMYRA, VA 22963-4771
Document Number	1801719
Map Reference	PB 3 PG 2
Instrument Date	May 4, 2018
Instrument	1801719
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8249 CROWN COLONY PKWY # 100, 100, MECHANICSVILLE, VA 23116-4057

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		$278,800 (-) Land $45,000 Building $233,800	$278,800 (-) Land $45,000 Building $233,800
2025	$2,104.00 (+12.27%)	$278,800 (+25.53%) Land $45,000 Building $233,800	$278,800 (+25.53%) Land $45,000 Building $233,800
2023		$222,100 Land $45,000 Building $177,100	$222,100 Land $45,000 Building $177,100
2022	$1,874.00

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	1 in force
Nearby Flood Claims	1 (1985)
Most Recent Claim	Nov 1985 · tidal / storm surge

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 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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