13 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 13 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,372 sqft · built 1981
Lot Size	0.392 acres (17,076 sqft)
Owner	Individual Name on File
Last Sale	$392,000 (Aug 2022)
Tax Bill	$2,277 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 1 375`

Property Details

APN / Parcel Number

Primary APN	`18A 1 375`
Alternative APN	`10296`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
Gross Area	3,817 sqft
1st Floor Area	572 sqft
Basement Area	1,029 sqft
Finished Basement	1,029 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,076 sqft (0.392 acres)
Terrain	Rolling
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	248 sqft
Deck Area	324 sqft
Patio Area	213 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10296
Street Address	13 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 220003097 ASHLAWN-1 LOT 375 17,060 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	37
Legal Lot Number	375
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1000
Census Tract	20103

Owner

13 Jefferson Dr is owned and occupied by an individual who bought it in August 2022.

Source: Fluvanna County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	13 JEFFERSON DR, PALMYRA, VA 22963-2010
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · VA Mortgage NFM INC
Mar 18, 2021	Deed, Transfer · Conventional Mortgage COLONIAL FARM CREDIT ACA
Sep 21, 2018	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Mar 18, 2021 · Amount on File
Deed Document Number	20223097
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	13 JEFFERSON DR, PALMYRA, VA 22963-2010
Transaction Type	Mortgage
Record Updated	Sep 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0220003098
Date	Aug 23, 2022
Instrument	220003098

Lender

Name	NFM INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 18, 2021
Property Address	13 JEFFERSON DR, PALMYRA, VA 22963-2010
Document Number	210001390
Map Reference	PB 3 PG 88
Instrument Date	Mar 10, 2021
Instrument	210001390
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 JEFFERSON DR, PALMYRA, VA 22963-2010

Mortgage

Document Number	210001391
Date	Mar 18, 2021
Instrument	210001391

Lender

Name	COLONIAL FARM CREDIT ACA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 21, 2018
Property Address	13 JEFFERSON DR, PALMYRA, VA 22963-2010
Document Number	1802941
Map Reference	PB 76 PG 206
Instrument Date	Sep 17, 2018
Instrument	1802941
Transaction Type	Transfer
Record Updated	Jun 28, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 JEFFERSON DR, PALMYRA, VA 22963-2010

Mortgage

Document Number	1802942
Date	Sep 21, 2018
Instrument	1802942

Lender

Name	ATLANTIC COAST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 13 Jefferson Dr was $2,277.

Source: Fluvanna County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Fluvanna County
Unified School District	Fluvanna County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$301,700 (-) Land $30,000 Building $271,700	$301,700 (-) Land $30,000 Building $271,700
2025	$2,277.00	$301,700 Land $30,000 Building $271,700	$301,700 Land $30,000 Building $271,700
2023		$221,400 Land $30,000 Building $191,400	$221,400 Land $30,000 Building $191,400
2022	$1,868.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13 Jefferson Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 25, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 13 Jefferson Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE MONTICELLO private · serves 12,943 people · EPA ID VA2065480
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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