927 Sclaters Ford Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 927 Sclaters Ford Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1973
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jun 2023)
Tax Bill	$1,484 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29 5 5`

Property Details

APN / Parcel Number

Primary APN	`29 5 5`
Alternative APN	`2376`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,116 sqft
1st Floor Area	960 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2010
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2376
Street Address	927 SCLATERS FORD RD
City	PALMYRA
State	VA
Zip	22963-5014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 230001752 AC 1.0
Legal Subdivision	PLAT OF CARROLL GILLESPIE
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	1
Census Block	1056
Census Tract	20300

Owner

927 Sclaters Ford Rd is owned and occupied by an individual who bought it in June 2023.

Source: Fluvanna County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	927 SCLATERS FORD RD, PALMYRA, VA 22963-5014
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 17, 2024	Deed of Trust, Mortgage · FHA Mortgage ATLANTIC TRUSTEE SVCS LLC
Jun 28, 2023	Deed, Transfer · FHA Mortgage INTERCOASTAL MORTGAGE CO
Sep 23, 2009	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2023 · Amount on File
Deed Sale	Jun 28, 2023 · Amount on File
Prior Sale	Sep 23, 2009 · Amount on File
Deed Document Number	20231752
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	Aug 31, 2026
Property Address	927 SCLATERS FORD RD, PALMYRA, VA 22963-5014
Document Number	0000002681
Instrument Date	Aug 20, 2026
Instrument	20262681
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 SCLATERS FORD RD, PALMYRA, VA 22963-5014

Mortgage

Document Number	0000002681,
Date	Aug 31, 2026
Instrument	20262681

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	927 SCLATERS FORD RD, PALMYRA, VA 22963-5014
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0240002426
Date	Sep 17, 2024
Instrument	240002426

Lender

Name	ATLANTIC TRUSTEE SVCS LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jul 1, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 28, 2023
Property Address	927 SCLATERS FORD RD, PALMYRA, VA 22963-5014
Document Number	0230001752
Map Reference	DB 92 PG 39
Instrument Date	Jun 26, 2023
Instrument	230001752
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 SCLATERS FORD RD, PALMYRA, VA 22963-5014

Mortgage

Document Number	0230001753
Date	Jun 28, 2023
Instrument	230001753

Lender

Name	INTERCOASTAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	0230001754
Date	Jun 28, 2023
Instrument	230001754

Lender

Name	INTERCOASTAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

September 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 23, 2009
Property Address	927 SCLATERS FORD RD, PALMYRA, VA 22963-5014
Document Number	000803/477
Book / Page	803 / 477
Map Reference	DD92 PG39
Instrument Date	Jul 24, 2009
Instrument	0903839
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 SCLATERS FORD RD, PALMYRA, VA 22963-5014

Mortgage

Document Number	0000903840
Date	Sep 23, 2009
Instrument	0903840

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2039

Interest

Rate	5.5%

Tax Assessment & Valuation

The 2025 property tax bill for 927 Sclaters Ford Rd was $1,484.

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		$196,600 (-) Land $33,000 Building $163,600	$196,600 (-) Land $33,000 Building $163,600
2025	$1,484.00	$196,600 Land $33,000 Building $163,600	$196,600 Land $33,000 Building $163,600
2023		$108,800 Land $33,000 Building $75,800	$108,800 Land $33,000 Building $75,800
2022	$918.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 927 Sclaters Ford Rd in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 927 Sclaters Ford Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 65% of Virginia
Wildfire Likelihood	0.05% 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 9 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

Cell Coverage

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

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