92 Riverside Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 92 Riverside Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,714 sqft · built 1994
Lot Size	0.486 acres (21,170 sqft)
Owner	Individual Name on File
Tax Bill	$2,243 (2025)
Deeds & Mortgages	May 2005 Line of Credit Nov 2010 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18A 6 96`

Property Details

APN / Parcel Number

Primary APN	`18A 6 96`
Alternative APN	`8584`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,714 sqft Living Area
Gross Area	3,274 sqft
1st Floor Area	1,714 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,170 sqft (0.486 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	84 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8584
Street Address	92 RIVERSIDE DR
City	PALMYRA
State	VA
Zip	22963-2025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 230002372 RIVERSIDE-6 LOT 96 21,183 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	9
Legal Lot Number	96
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	4
Census Block	4003
Census Tract	20101

Owner

Source: Fluvanna County assessment roll, 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 File
Mailing Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 2, 2005	Deed of Trust, Mortgage · Line of Credit UVA COMMUNITY CU INC
Nov 22, 2010	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF VA COMMUNITY CU
Nov 22, 2010	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF VIRGINIA COMMUNITY CU
Feb 6, 2026	Intrafamily Transfer, Transfer · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Aug 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage MID CONTINENT FUNDING INC
Aug 27, 2020	Deed, Transfer · Conventional Mortgage MEMBER OPTIONS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 6, 2026
Deed Sale	Feb 6, 2026
Prior Sale	Aug 29, 2023 · Amount on Record
Deed Document Number	2026342
Prior Transfer Date	Jan 31, 2026
Prior Transfer Doc	0000000342
Record Updated	Sep 20, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000630/334
Date	May 2, 2005
Book Page	630/334
Instrument	2842

Lender

Name	UVA COMMUNITY CU INC
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	May 27, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000831/306
Date	Nov 22, 2010
Book Page	831/306
Instrument	4028

Lender

Name	UNIVERSITY OF VA COMMUNITY CU
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Conventional Mortgage

November 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	MEMBERS TITLE AND ESCROW LLC, MEMBERS TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000831/306
Date	Nov 22, 2010
Book Page	831/306
Instrument	1004028

Lender

Name	UNIVERSITY OF VIRGINIA COMMUNITY CU
Address	CHARLOTTESVILLE, VA 22901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2040

Interest

Rate	3.87%

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Feb 6, 2026
Property Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025
Document Number	0260000342
Map Reference	MB 82 PG 481
Instrument Date	Jan 31, 2026
Instrument	260000342
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025

Mortgage

Document Number	0260000343
Date	Feb 6, 2026
Instrument	260000343

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230002373
Date	Aug 29, 2023
Instrument	230002373

Lender

Name	MID CONTINENT FUNDING INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Aug 27, 2020
Property Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025
Document Number	200003249
Map Reference	DB 82 PG 481
Instrument Date	Aug 24, 2020
Instrument	200003249
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 RIVERSIDE DR, PALMYRA, VA 22963-2025

Mortgage

Document Number	200003250
Date	Aug 27, 2020
Instrument	200003250

Lender

Name	MEMBER OPTIONS LLC

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		$297,100 (-) Land $30,000 Building $267,100	$297,100 (-) Land $30,000 Building $267,100
2025	$2,243.00 (+0.67%)	$297,100 (+32.1%) Land $30,000 Building $267,100	$297,100 (+32.1%) Land $30,000 Building $267,100
2024	$2,228.00 (+17.39%)
2023		$224,900 Land $30,000 Building $194,900	$224,900 Land $30,000 Building $194,900
2022	$1,898.00

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	Direct burnable vegetation at the parcel

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
Central Virginia Electric Cooperative Fiber	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Brightspeed.

Cell Coverage

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

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