987 Deep Creek Rd, Palmyra, VA 22963 Property Records

Fluvanna County property record for 987 Deep Creek Rd, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,641 sqft · built 2019
Lot Size	2.35 acres (102,453 sqft)
Owner	2 Individual Names on Record
Last Sale	$216,000 (Mar 2019)
Tax Bill	$2,542 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21 22 2`

Property Details

APN / Parcel Number

Primary APN	`21 22 2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,641 sqft Living Area
Gross Area	2,642 sqft
1st Floor Area	1,536 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	102,453 sqft (2.35 acres)
Terrain	Rolling

Exterior Amenities

Porch	Slab
Porch Area	35 sqft
Deck Area	100 sqft
Balcony Area	7 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	987 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 210003028 AC 2.352 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	2 Individual Names on Record
Mailing Address	989 DEEP CREEK RD, PALMYRA, VA 22963-4771
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC COAST MORTGAGE
Jun 21, 2021	Intrafamily Transfer, Transfer
Mar 21, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage TOWNE FIRST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2019 · Amount on Record
Deed Sale	Mar 21, 2019 · Amount on Record
Deed Document Number	2019789
Last Transfer Date	Jun 10, 2021
Transfer Doc	0000003028
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	987 DEEP CREEK RD, PALMYRA, VA 22963-4771
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210004458
Date	Sep 3, 2021
Instrument	210004458

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLUVANNA VA
Recording Date	Jun 21, 2021
Property Address	987 DEEP CREEK RD, PALMYRA, VA 22963-4771
Document Number	210003028
Map Reference	PB 3 PG 2
Instrument Date	Jun 10, 2021
Instrument	210003028
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	989 DEEP CREEK RD, 989, PALMYRA, VA 22963-4771

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	989 DEEP CREEK RD, PALMYRA, VA 22963-4771

March 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 21, 2019
Property Address	987 DEEP CREEK RD, PALMYRA, VA 22963-4771
Document Number	1900789
Map Reference	PB 3 PG 2
Instrument Date	Mar 14, 2019
Instrument	1900789
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 6, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	987 DEEP CREEK RD, PALMYRA, VA 22963-4771

Mortgage

Document Number	1900790
Date	Mar 21, 2019
Instrument	1900790

Lender

Name	TOWNE FIRST MORTGAGE

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		$336,800 (-) Land $46,600 Building $290,200	$336,800 (-) Land $46,600 Building $290,200
2025	$2,542.00 (+22.86%)	$336,800 (+37.36%) Land $46,600 Building $290,200	$336,800 (+37.36%) Land $46,600 Building $290,200
2023		$245,200 Land $46,600 Building $198,600	$245,200 Land $46,600 Building $198,600
2022	$2,069.00

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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