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126 Riva Way, Palmyra, VA, 22963

4beds
3baths
1,589sqft
$369,900
$233price/sqft
$2,468/moest. monthly cost
$98,720/yrincome needed

About This Home

Welcome home to this charming property in Palmyra, VA that feels welcoming, and easy to settle into. Start your mornings on the covered front porch, perfect for a quiet cup of coffee, a good book, or just enjoying a slow start to the day. Inside, you’re welcomed into an open and inviting floor plan where the kitchen, dining, and living areas all flow seamlessly together. The kitchen offers generous countertop space, stainless steel appliances, and plenty of room for cooking, gathering, and everyday life. The main-level primary suite is a true retreat, featuring a walk-in closet and private bath—ideal for comfort and convenience all on one level. Upstairs, you’ll find three additional bedrooms with clean, well-kept carpeting, along with a full hall bath complete with a tub. A linen closet in the hallway provides additional storage right where it’s needed most. A walk-in laundry room adds to the home’s practicality, and the washer and dryer do convey for added ease. Out back, the spacious deck overlooks a fully fenced-in backyard, perfect for pets, offering both privacy and plenty of room to relax, play, or entertain. Evenings here are especially special, with beautiful sunsets that fill the sky and can be enjoyed right from the back deck. A storage shed adds extra convenience for tools, lawn equipment, or seasonal items. Every detail comes together here to create a home that feels inviting, easy to live in, and just the right amount of special, ready for its next owners to settle in and enjoy .

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

7/10
Carrysbrook ElementaryGrades 3-43.6 mi
6/10
Fluvanna MiddleGrades 5-73.9 mi
6/10

Construction

Condition

  • Property condition: Excellent
  • Year built: 2022

Materials

  • Foundation: Brick/Mortar,Block
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Other

  • Builder name: LIBERTY HOMES

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Microwave,Cooktop,Dryer,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Electric Water Heater
  • Laundry features: Hookup,Upper Level,Laundry Room

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Breakfast Room

  • Level: Main

Features

  • Entry Level Bedroom,Bathroom - Tub Shower,Ceiling Fan(s),Combination Kitchen/Living,Combination Kitchen/Dining,Combination Dining/Living,Dining Area,Family Room Off Kitchen,Open Floorplan,Primary Bath(s),Dry Wall
  • Door features: Insulated
  • Window features: Insulated Windows
  • Flooring: Carpet,Luxury Vinyl
  • Finished area below ground: 0
  • Finished area above ground: 1,589

Foyer

  • Level: Main

Great Room

  • Level: Main

Half Bath

  • Level: Main

Heating & Cooling

  • Heating features: Heat Pump,Central,Electric
  • Cooling features: Heat Pump,Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 1,589
  • Total interior livable area: 1,589 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Other

  • Level: Upper

Primary Bathroom

  • Level: Main

Primary Bedroom

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0
  • Zoning: A-1
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Deck,Porch
  • Fencing: Picket,Wood,Back Yard

Lot

  • Lot size: 0.44 Acres
  • Features: Landscaped,Rear Yard,Front Yard

Parking

  • Parking features: Gravel,Private,Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Drought
Earthquake
Hurricane
Heat Wave
Inland Flooding
Tornado
Winter Weather

FEMA Declared Disasters Across Virginia Counties

Severe Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,870$22,440
Home Insurance *$136$1,632
Property Taxes $260$3,120
Electricity $202$2,433
Total$2,468$29,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,617/yr
40% on housing$74,040/yr
45% on housing$65,813/yr

Virginia FAIR Plan Programs

Virginia Property Insurance Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 22,622Commercial: 503
Total Premiums$20.86M
Total Exposure$4.29B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 7.8%
7.8%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$233This listing

vs Other Active Listings

Avg $/sqft

ZIP 22963$205
Fluvanna County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 22963$192
Fluvanna County$212

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-04Price change$410,000
2026-04-22Listed for sale$430,000
2023-02-27Sold$306,500
2022-12-31Pending sale$308,362
2022-11-29Price change$308,362
2022-06-07Listed for sale$313,362

For Sale by Agent

AgentKylie Kenny
BrokerageLake Anna Island Realty, Inc.

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