Troy VA Farms & Homes for Sale

Farms & Country Homes for Sale in Troy, VA — Frequently Asked Questions

1. Where is Troy, VA and what makes it desirable?
   Troy sits in eastern Fluvanna County, just west of Zion Crossroads with quick access to I-64, US-15, and US-250 for easy commutes to Charlottesville and Richmond. Buyers love the pastoral acreage, low density, and proximity to services.
2. What property types are common around Troy?
   You’ll find mini-farms (5–25± acres), larger working farms, and country homes with fenced pastures, barns, run-in sheds, and equipment buildings. Wooded tracts and mixed pasture/woodland parcels are also typical.
3. Can I keep horses or livestock on a Troy property?
   Often yes in rural zoning districts, subject to Fluvanna County ordinances and any recorded covenants. Confirm setbacks, stocking density, and use permissions for the specific parcel before purchasing.
4. Do agricultural structures need permits?
   Most new barns, sheds, arenas, and driveways require permits and must meet setback and erosion & sediment control standards if land disturbance thresholds are met. Check with the county’s building and zoning offices.
5. How are water and septic handled?
   Country homes typically use a private well and septic system. For vacant land, obtain a current soil/perk evaluation and septic design options. For existing homes, request well yield/water quality and septic inspection records.
6. What should I evaluate for pastures and water sources?
   Review fencing condition, available hydrants/streams/springs, shade, and rotational grazing potential. Riparian buffers, stream crossings, and pond work may be regulated—verify feasibility in advance.
7. Are conservation easements or deed restrictions common?
   Some properties carry conservation easements, HOA/road covenants, or right-of-way agreements that can limit subdivision, additional dwellings, or certain uses. Always review recorded documents during due diligence.
8. Is land-use (agricultural) tax assessment available?
   Many rural parcels may qualify for land-use valuation that can reduce real estate taxes if criteria are met. Confirm eligibility and rollback provisions with the Fluvanna County Commissioner of the Revenue.
9. How reliable are power, broadband, and mobile service?
   Coverage varies by road and topography. Verify internet providers and speeds, cellular reliability, and consider generator readiness for well pumps and critical systems.
10. What financing options work for acreage and improvements?
    In addition to conventional loans, many buyers use Farm Credit and portfolio lenders familiar with acreage, outbuildings, and farm income. For primary residences, explore USDA options where eligible.
11. What due diligence should I complete before closing?
    Order a boundary survey, well yield & water quality test, septic inspection, zoning/permit research for all structures, and confirm access easements. If you plan a barn, arena, or new driveway, confirm permitting upfront.
12. How can I see current Troy farm and country listings quickly?
    Set up custom alerts for “Troy VA farms for sale” and “Troy country homes with acreage,” and have your agent pre-screen for horse facilities, hay storage, equipment buildings, and fenced paddocks.