946 Plain Dealing Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 946 Plain Dealing Rd, Palmyra, VA 22963

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,966 sqft · built 1980
Lot Size	40.5 acres (1,766,968 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,283 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`32 3 1`

Property Details

APN / Parcel Number

Primary APN	`32 3 1`
Alternative APN	`7036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,966 sqft Living Area
1st Floor Area	1,966 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1993
Exterior Material	Logs
Foundation Type	Stone
Roof Type	Gable
Roof Material	Tin
Lot Area	1,766,968 sqft (40.5 acres)
Terrain	Rolling
Garage Type	Carport
Garage Area	625 sqft
Carport	Carport
Carport Area	625 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	368 sqft
Deck Area	672 sqft
Shed	1 Shed
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	7036
Street Address	946 PLAIN DEALING RD
City	PALMYRA
State	VA
Zip	22963-4534
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A-1
Legal Description	INST 210002816 AC 40.564
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	2
Census Block	2011
Census Tract	20200

Owner

Source: Fluvanna County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	946 PLAIN DEALING RD, PALMYRA, VA 22963-4534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage BLUE RIDGE BANK
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage DOMINION ENERGY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 4, 2021
Transfer Doc	0000002816
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	946 PLAIN DEALING RD, PALMYRA, VA 22963-4534
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220001034
Date	Mar 21, 2022
Instrument	220001034

Lender

Name	BLUE RIDGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2042

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	946 PLAIN DEALING RD, PALMYRA, VA 22963-4534
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210005137
Date	Oct 12, 2021
Instrument	210005137

Lender

Name	DOMINION ENERGY CU
Type	Credit Union

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		$524,000 (-0.01%) Land $208,500 Building $315,500	$524,000 (-0.01%) Land $208,500 Building $315,500
2025	$3,283.00 (+2.66%)	$524,038 (+11.95%) Land $208,538 Building $315,500	$524,038 (+11.95%) Land $208,538 Building $315,500
2023		$468,100 Land $208,500 Building $259,600	$468,100 Land $208,500 Building $259,600
2022	$3,198.00

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 Claims	5 (1985–1996)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond
Claims by Event	Hurricane Fran And Associated Severe Storm Cond, Sep 1996 · 2 claims

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 1 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

5G and 4G LTE (outdoors only)

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