98 Pine Shadow Ct, Troy, VA 22974 Property Records

Fluvanna County property record for 98 Pine Shadow Ct, Troy, VA 22974 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,135 sqft · built 2022
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Last Sale	$899,000 (Nov 2025)
Tax Bill	$6,024 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12 21 23`

Property Details

APN / Parcel Number

Primary APN	`12 21 23`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,135 sqft Living Area
Gross Area	6,483 sqft
1st Floor Area	2,135 sqft
Basement Area	2,135 sqft
Finished Basement	2,135 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2023
Exterior Material	Fiber Cement Siding
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Terrain	Rolling
Garage Area	694 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	21 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	98 PINE SHADOW CT
City	TROY
State	VA
Zip	22974-3302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INST 240002815 AC 0.69
Legal Subdivision	MEADOW BROOK
Legal Block	2
Jurisdiction	FLUVANNA VA
Township / Civil Division	COLUMBIA
Census Block Group	1
Census Block	1011
Census Tract	20101

Owner

Source: Fluvanna County records · APN 12 21 23

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	2 Individual Names on File
Mailing Address	98 PINE SHADOW CT, TROY, VA 22974-3302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 07, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Nov 19, 2025	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Oct 30, 2024	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Apr 06, 2021 · Amount on Record
Deed Document Number	20253538
Prior Transfer Date	Oct 30, 2024
Prior Transfer Doc	0000002815
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	98 PINE SHADOW CT, TROY, VA 22974-3302
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002831
Date	Jun 07, 2021
Instrument	210002831

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 19, 2025
Property Address	98 PINE SHADOW CT, TROY, VA 22974-3302
Document Number	0250003538
Map Reference	MB 3 PG 21&212
Instrument Date	Nov 13, 2025
Instrument	250003538
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$899.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	98 PINE SHADOW CT, TROY, VA 22974-3302

Mortgage

Document Number	0250003539
Date	Nov 19, 2025
Instrument	250003539

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

October 2024: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 30, 2024
Property Address	98 PINE SHADOW CT, TROY, VA 22974-3302
Document Number	0240002815
Map Reference	PB 3 PG 211
Instrument Date	Oct 30, 2024
Instrument	240002815
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 PINE SHADOW CT, TROY, VA 22974-3302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 PINE SHADOW CT, TROY, VA 22974-3302

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		$797,900 (-) Land $65,000 Building $732,900	$797,900 (-) Land $65,000 Building $732,900
2025	$6,024.00 (+0.67%)	$797,900 (+46%) Land $65,000 Building $732,900	$797,900 (+46%) Land $65,000 Building $732,900
2024	$5,984.00 (+29.75%)
2023		$546,500 Land $65,000 Building $481,500	$546,500 Land $65,000 Building $481,500
2022	$4,612.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Fluvanna County (51065C), updated March 25, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 510650201011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 29% of Virginia
Wildfire Likelihood	About 1 in 3,333 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 16 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Central Virginia Electric Cooperative	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

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