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Single Family ResidenceResidential
$478,873$230 / 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 $277,000 on Jul 15, 2020

12 RIVER RIDGE DR

PALMYRA, VA 22963
4
Beds
3.5
Baths
2,084 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$479K
$456K low$502K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$277,000 · Jul 15, 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.$257,273
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$205,818
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.48%
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.$221,600
USAA FSB · recorded Jul 15, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,364 (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.$445,600 (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.$415,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$445,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$445,600

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.21 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.2014
Lot (acres)The size of the land the home sits on, from county records.0.37
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
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.Deck · 172 ft²Patio · 192 ft²Porch · 168 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 · 2.4 mi
M
Fluvanna Middle SchoolB
Middle · Grades 5–7 · 5.7 mi
E
Central Elementary SchoolC
Elementary · Grades 1–2 · 5.8 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

12 River Ridge 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 more than 81% of homes in Palmyra 22963
  • Bigger than 76% of homes in Fluvanna County
  • Has a smaller lot than 80% of homes in Fluvanna County
  • Newer than 74% 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
$156K$807K

This home is worth more than 81% 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$478,873
CheaperTypical $354,008Pricier

Pricier than 81% of homes nearby

Price per ft²$230
CheaperTypical $218Pricier

Pricier than 60% of homes nearby

Living area2,084 ft²
SmallerTypical 1,616 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.37 ac
SmallerTypical 0.48 acBigger

Bigger than 29% of homes nearby

Year built2003
OlderTypical 1997Newer

Newer than 74% of homes nearby

How 12 River Ridge Dr ranks against every home in each area.
MeasureThis homePalmyra 22963Fluvanna County
Estimated valuepricier than$478,87381% of homes81% of homes
Price per ft²pricier than$23060% of homes61% of homes
Living areabigger than2,084 ft²75% of homes76% of homes
Lot sizebigger than0.37 ac29% of homes20% of homes
Year builtnewer than200374% of homes74% of homes

About 12 River Ridge Dr

How much is 12 River Ridge Dr, Palmyra, VA worth?

The TopHap Estimate for 12 River Ridge Dr, Palmyra, VA is $478,873 as of Jul 14, 2026. The likely range is $456,115 to $501,631. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 River Ridge Dr, Palmyra, VA last sell?

12 River Ridge Dr, Palmyra, VA last sold on Jul 15, 2020 for $277,000, according to the county's recorded deed.

How big is 12 River Ridge Dr, Palmyra, VA?

12 River Ridge Dr, Palmyra, VA has 4 bedrooms, 3.5 bathrooms, 2,084 square feet of living space and a 0.37-acre lot.

When was 12 River Ridge Dr, Palmyra, VA built?

12 River Ridge Dr, Palmyra, VA was built in 2003, making it 23 years old. The building has 2 stories.

What schools serve 12 River Ridge Dr, Palmyra, VA?

12 River Ridge 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 12 River Ridge Dr, Palmyra, VA compare to other homes in Palmyra 22963?

Among the 7,451 homes in Palmyra 22963, it is worth more than 81% of them ($478,873 against a typical $354,008), its price per square foot is higher than 60% of them ($230 against a typical $218), it is bigger than 75% of them (2,084 ft² against a typical 1,616 ft²), its lot is bigger than 29% of them (0.37 ac against a typical 0.48 ac) and it is newer than 74% of them (2003 against a typical 1997). Measured against all of Fluvanna County, it is worth more than 81% 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 12 River Ridge Dr, Palmyra, VA?

The 2025 property tax bill for 12 River Ridge Dr, Palmyra, VA was $3,364. The county assessed it at $445,600.

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Assigned schools

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