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1075 Middle Fork Rd, Palmyra, VA, 22963

3beds
2baths
1,484sqft
$335,000
$226price/sqft
$2,253/moest. monthly cost
$90,120/yrincome needed

About This Home

Acreage contains 2 seperate lots. Live in the home and build a new home next door. Extra lot perfect for inlaws or for future children. Discover the perfect blend of comfort, privacy, and functionality in this spacious home featuring a desirable split-bedroom floor plan and an open-concept design. The expansive living area flows seamlessly into the kitchen, where a large center island provides the perfect space for meal preparation, entertaining, or helping with homework. The primary suite offers a walk-in shower for a relaxing retreat, while the secondary bedrooms feature comfortable carpeting. A stylish barn door opens to a charming coffee and tea bar, with a spacious pantry conveniently located on the opposite side. Enjoy the outdoors from the covered front porch or the open back deck overlooking the peaceful surroundings. Situated at the end of a private road, this property offers exceptional seclusion on 4.58 wooded acres, consisting of two separate lots. The fenced front yard and additional fenced side yard provide ample space for children, pets, or gardening. If you've been searching for a private country setting with modern convenience and room to spread out, this property is a must-see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

--
5/10
5/10
Central Elementary SchoolGrades PK-25.7 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Construction materials: Manufactured,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bathroom

  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2

Features

  • Primary Downstairs
  • Finished area below ground: 0
  • Finished area above ground: 1,484

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Heat Pump

Interior Area

  • Total structure area: 1,484
  • Total interior livable area: 1,484 sqft

Property

Details

  • Parcel number: 0000000
  • Zoning description: A-1 Agricultural

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 4.58 Acres

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

  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Drought
Earthquake
Hurricane
Inland Flooding
Lightning

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 $1,693$20,316
Home Insurance *$123$1,476
Property Taxes $235$2,820
Electricity $202$2,433
Total$2,253$27,036
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,245/yr
40% on housing$67,590/yr
45% on housing$60,080/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

$226This listing

vs Other Active Listings

Avg $/sqft

ZIP 22963$206
Fluvanna County$196

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
2026-08-18Price change$320,000
2026-08-11Price change$330,000
2026-07-28Listed for sale$335,000

For Sale by Agent

AgentSANDRA MORRIS
BrokerageKELLER WILLIAMS ALLIANCE - CHARLOTTESVILLE

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