Fluvanna County property record for 9889 W River Rd, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,483 sqft · built 1960 |
| Lot Size | 2.46 acres (107,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $276,150 (Apr 2023) |
| Tax Bill | $2,010 (2025) |
| Deeds & Mortgages | Dec 2013 Line of Credit Feb 2010 Line of Credit + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39 A 80 |
| Primary APN | 39 A 80 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,483 sqft Living Area |
| Gross Area | 4,647 sqft |
| 1st Floor Area | 1,483 sqft |
| Attic | Attic |
| Attic Area | 445 sqft |
| Basement Area | 1,483 sqft |
| Unfinished Basement | 1,483 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 107,375 sqft (2.46 acres) |
| Terrain | Rolling |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
|---|---|
| Porch Area | 198 sqft |
| Shed | 1 Shed |
| Pole Barn | Pole Barn |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 11371 |
|---|---|
| Street Address | 9889 W RIVER RD |
| City | PALMYRA |
| State | VA |
| Zip | 22963-5413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 |
| Legal Description | INST 230001027 AC 2.465 |
| Legal Block | 8 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | FORK UNION |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 20300 |
9889 W River Rd is owned and occupied by an individual who bought it in April 2023.
Source: Fluvanna County records, as of August 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| 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.
| Date | Document |
|---|---|
| Dec 2, 2013 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Feb 12, 2010 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Aug 6, 2007 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Sep 23, 2016 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO |
| Oct 17, 2008 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Oct 20, 2014 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BANKING & TRUST CO |
| Aug 27, 2012 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| Apr 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage C & F MORTGAGE CORP |
| Apr 20, 2023 | Deed, Transfer · FHA Mortgage C & F MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2023 · Amount on File |
| Deed Sale | Apr 20, 2023 · Amount on File |
| Deed Document Number | 20231027 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000909/104 |
|---|---|
| Date | Dec 2, 2013 |
| Book Page | 909/104 |
| Instrument | 1304543 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23219 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000812/399 |
|---|---|
| Date | Feb 12, 2010 |
| Book Page | 812/399 |
| Instrument | 0475 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000738/880 |
|---|---|
| Date | Aug 6, 2007 |
| Book Page | 738/880 |
| Instrument | 4406 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001602777 |
|---|---|
| Date | Sep 23, 2016 |
| Instrument | 1602777 |
| Name | BRANCH BANKING & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000777/616 |
|---|---|
| Date | Oct 17, 2008 |
| Book Page | 777/616 |
| Instrument | 4655 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001402892 |
|---|---|
| Date | Oct 20, 2014 |
| Instrument | 1402892 |
| Name | BRANCH BANKING & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000872/775 |
|---|---|
| Date | Aug 27, 2012 |
| Book Page | 872/775 |
| Instrument | 1202969 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0230001029 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 230001029 |
| Name | C & F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Apr 20, 2023 |
| Property Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Document Number | 0230001027 |
| Map Reference | DB 154 PG 366 |
| Instrument Date | Mar 28, 2023 |
| Instrument | 230001027 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $276.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9889 W RIVER RD, PALMYRA, VA 22963-5413 |
| Document Number | 0230001028 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 230001028 |
| Name | C & F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Number | 0230001029 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 230001029 |
| Name | C & F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2053 |
The 2025 property tax bill for 9889 W River Rd was $2,010.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $266,300 (-) Land $37,100 Building $229,200 | $266,300 (-) Land $37,100 Building $229,200 | |
| 2025 | $2,010.00 | $266,300 Land $37,100 Building $229,200 | $266,300 Land $37,100 Building $229,200 |
| 2023 | $216,300 Land $37,100 Building $179,200 | $216,300 Land $37,100 Building $179,200 | |
| 2022 | $1,825.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9889 W River 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 risk around 9889 W River Rd is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Firefly Fiber Broadband Fiber | 1,000 / 1,000 |
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