997 Bremo Bluff Rd, Bremo Bluff, VA 23022 Property Records

Fluvanna County property record for 997 Bremo Bluff Rd, Bremo Bluff, VA 23022

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,752 sqft · built 1908
Lot Size	1.71 acres (74,793 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jun 2018)
Tax Bill	$3,463 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`58 A 34`

Property Details

APN / Parcel Number

Primary APN	`58 A 34`
Alternative APN	`4828`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,752 sqft Living Area
Gross Area	6,770 sqft
1st Floor Area	3,400 sqft
Basement Area	410 sqft
Unfinished Basement	410 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1958
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	74,793 sqft (1.71 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	1,032 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	966 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	4828
Street Address	997 BREMO BLUFF RD
City	BREMO BLUFF
State	VA
Zip	23022-2179
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	INST 180001963 AC 1.717
Legal Block	3
Jurisdiction	FLUVANNA VA
Township / Civil Division	FORK UNION
Census Block Group	4
Census Block	4027
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	997 BREMO BLUFF RD, BREMO BLUFF, VA 23022-2179
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL RESOURCES
May 13, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL CO
Jun 25, 2018	Deed, Transfer · VA Mortgage CARDINAL FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Deed Document Number	20181963
Prior Transfer Date	Oct 14, 2011
Prior Transfer Doc	851/707
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	997 BREMO BLUFF RD, BREMO BLUFF, VA 23022-2179
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210006189
Date	Dec 20, 2021
Instrument	210006189

Lender

Name	AMERICAN FINANCIAL RESOURCES
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	997 BREMO BLUFF RD, BREMO BLUFF, VA 23022-2179
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200001656
Date	May 13, 2020
Instrument	200001656

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 25, 2018
Property Address	997 BREMO BLUFF RD, BREMO BLUFF, VA 23022-2179
Document Number	1801963
Map Reference	PB 122 PG 659
Instrument Date	Jun 6, 2018
Instrument	1801963
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
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	997 BREMO BLUFF RD, BREMO BLUFF, VA 23022-2179

Mortgage

Document Number	1801964
Date	Jun 25, 2018
Instrument	1801964

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	VA 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		$458,704 (-) Land $35,000 Building $423,704	$458,704 (-) Land $35,000 Building $423,704
2025	$3,463.00 (+0.67%)	$458,704 (+25.4%) Land $35,000 Building $423,704	$458,704 (+25.4%) Land $35,000 Building $423,704
2024	$3,440.00 (+11.44%)
2023		$365,800 Land $35,000 Building $330,800	$365,800 Land $35,000 Building $330,800
2022	$3,087.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1985–1996)
Most Recent Claim	Sep 1996 · Hurricane Fran And Associated Severe Storm Cond

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 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.01% 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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