Fluvanna County property record for 157 Jefferson Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,435 sqft · built 1992 |
| Lot Size | 0.457 acres (19,907 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Oct 2024) |
| Tax Bill | $2,358 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Oct 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18A 3 44 |
| Primary APN | 18A 3 44 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,435 sqft Living Area |
| Gross Area | 3,611 sqft |
| 1st Floor Area | 1,435 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,907 sqft (0.457 acres) |
| Terrain | Rolling |
| Garage Area | 436 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 65 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3444 |
|---|---|
| Street Address | 157 JEFFERSON DR |
| City | PALMYRA |
| State | VA |
| Zip | 22963-2202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | INST 240002707 MONTPELIER-3 LOT 44 19,910 SF |
| Legal Subdivision | LAKE MONTICELLO SUBDIVISION |
| Legal Block | 4 |
| Legal Lot Number | 44 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 20103 |
157 Jefferson Dr is owned and occupied by two individuals who bought it in October 2024.
Source: Fluvanna County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| 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.
| Date | Document |
|---|---|
| Jul 1, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Oct 21, 2024 | Deed, Transfer · FHA Mortgage ATLANTA BAY MORTGAGE GROUP |
| Jul 2, 2020 | Deed, Transfer · Conventional Mortgage ATLANTA BAY MORTGAGE GROUP |
| Jul 3, 2018 | Intrafamily Transfer, Transfer · FHA Mortgage MCLEAN MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2024 · Amount on File |
| Deed Sale | Oct 21, 2024 · Amount on File |
| Prior Sale | Jul 2, 2020 · Amount on File |
| Deed Document Number | 20242707 |
| Prior Transfer Date | Jun 26, 2018 |
| Prior Transfer Doc | 0000002084 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jul 1, 2026 |
| Property Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| Document Number | 0000002020 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 20262020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| Document Number | 0000002020, |
|---|---|
| Date | Jul 1, 2026 |
| Instrument | 20262020 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Oct 21, 2024 |
| Property Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| Document Number | 0240002707 |
| Map Reference | DB 80 PG 37 |
| Instrument Date | Oct 11, 2024 |
| Instrument | 240002707 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $315.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| Document Number | 0240002708 |
|---|---|
| Date | Oct 21, 2024 |
| Instrument | 240002708 |
| Name | ATLANTA BAY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Document Number | 0240002709 |
|---|---|
| Date | Oct 21, 2024 |
| Instrument | 240002709 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jul 2, 2020 |
| Property Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| Document Number | 0200002391 |
| Map Reference | DB 80 PG 37 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 200002391 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| Document Number | 0200002392 |
|---|---|
| Date | Jul 2, 2020 |
| Instrument | 200002392 |
| Name | ATLANTA BAY MORTGAGE GROUP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Recording Date | Jul 3, 2018 |
| Property Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| Document Number | 0001802084 |
| Map Reference | PB 80 PG 37 |
| Instrument Date | Jun 26, 2018 |
| Instrument | 1802084 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 157 JEFFERSON DR, PALMYRA, VA 22963-2202 |
| Document Number | 0001802085 |
|---|---|
| Date | Jul 3, 2018 |
| Instrument | 1802085 |
| Name | MCLEAN MORTGAGE CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 157 Jefferson Dr was $2,358, up 0.6% from the year before.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $312,400 (-) Land $30,000 Building $282,400 | $312,400 (-) Land $30,000 Building $282,400 | |
| 2025 | $2,358.00 (+0.64%) | $312,400 Land $30,000 Building $282,400 | $312,400 Land $30,000 Building $282,400 |
| 2024 | $2,343.00 | ||
| 2023 | $208,700 Land $30,000 Building $178,700 | $208,700 Land $30,000 Building $178,700 | |
| 2022 | $1,761.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 157 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 risk around 157 Jefferson Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 222 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 |
| Brightspeed DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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