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Single Family ResidenceResidential
$297,355$220 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $179,000 on Nov 16, 2020

109 RIVERSIDE DR

PALMYRA, VA 22963
3
Beds
2
Baths
1,350 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.66 ac
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$297K
$283K low$311K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$179,000 · Nov 16, 2020
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$154,155
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$123,324
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.45%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$143,200
DUPONT MORTGAGE CU · recorded Nov 16, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,669 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$221,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$191,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$221,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$221,100

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.46
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
84
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
87
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
42
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyFLUVANNA
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2004
Lot (acres)The size of the land the home sits on, from county records.0.66
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 104 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Fluvanna County High SchoolC+
High · Grades 8–12 · 2.1 mi
M
Fluvanna Middle SchoolB
Middle · Grades 5–7 · 5.5 mi
E
Central Elementary SchoolC
Elementary · Grades 1–2 · 5.6 mi

District: Fluvanna County Public Schools

Neighborhood · ZIP 22963These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.92
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.83

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.23%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.17,909
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.148 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$99,157
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$142,187
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Riverside Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 73% of homes in Palmyra 22963
  • Smaller than 71% of homes in Palmyra 22963

What homes are worth in Palmyra 22963

Each bar is how many homes fall in that price range. The marker is this home.

This home
$152K$792K

This home is worth more than 27% of homes in Palmyra 22963.

How it measures up in Palmyra 22963

The dot is this home. The mark in the middle is the typical home in Palmyra 22963.

Estimated value$297,355
CheaperTypical $353,792Pricier

Pricier than 27% of homes nearby

Price per ft²$220
CheaperTypical $218Pricier

Pricier than 52% of homes nearby

Living area1,350 ft²
SmallerTypical 1,610 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.66 ac
SmallerTypical 0.48 acBigger

Bigger than 62% of homes nearby

Year built1993
OlderTypical 1997Newer

Newer than 38% of homes nearby

How 109 Riverside Dr ranks against every home in each area.
MeasureThis homePalmyra 22963Fluvanna County
Estimated valuepricier than$297,35527% of homes33% of homes
Price per ft²pricier than$22052% of homes53% of homes
Living areabigger than1,350 ft²29% of homes31% of homes
Lot sizebigger than0.66 ac62% of homes42% of homes
Year builtnewer than199338% of homes45% of homes

About 109 Riverside Dr

How much is 109 Riverside Dr, Palmyra, VA worth?

The TopHap Estimate for 109 Riverside Dr, Palmyra, VA is $297,355 as of Jul 14, 2026. The likely range is $283,230 to $311,480. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Riverside Dr, Palmyra, VA last sell?

109 Riverside Dr, Palmyra, VA last sold on Nov 16, 2020 for $179,000, according to the county's recorded deed.

How big is 109 Riverside Dr, Palmyra, VA?

109 Riverside Dr, Palmyra, VA has 3 bedrooms, 2 bathrooms, 1,350 square feet of living space and a 0.66-acre lot.

When was 109 Riverside Dr, Palmyra, VA built?

109 Riverside Dr, Palmyra, VA was built in 1993, making it 33 years old. The building has 1 story.

What schools serve 109 Riverside Dr, Palmyra, VA?

109 Riverside Dr, Palmyra, VA is assigned to Fluvanna County High School (high), rated C+; Fluvanna Middle School (middle), rated B; Central Elementary School (elementary), rated C. All sit in Fluvanna County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Riverside Dr, Palmyra, VA compare to other homes in Palmyra 22963?

Among the 7,451 homes in Palmyra 22963, it is worth more than 27% of them ($297,355 against a typical $353,792), its price per square foot is higher than 52% of them ($220 against a typical $218), it is bigger than 29% of them (1,350 ft² against a typical 1,610 ft²), its lot is bigger than 62% of them (0.66 ac against a typical 0.48 ac) and it is newer than 38% of them (1993 against a typical 1997). Measured against all of Fluvanna County, it is worth more than 33% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Riverside Dr, Palmyra, VA?

The 2025 property tax bill for 109 Riverside Dr, Palmyra, VA was $1,669. The county assessed it at $221,100.

Closest homes

More homes in Palmyra 22963

Assigned schools

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