174 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 174 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,972 sqft · built 1988
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$217,500 (Nov 2019)
Tax Bill	$2,972 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 4 26`

Property Details

APN / Parcel Number

Primary APN	`18A 4 26`
Alternative APN	`8666`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,972 sqft Living Area
Gross Area	4,384 sqft
1st Floor Area	1,940 sqft
Basement Area	1,940 sqft
Unfinished Basement	1,940 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Type	Built-in
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	204 sqft
Deck Area	268 sqft
Putting Green	Putting Green

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8666
Street Address	174 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190003327 FAIRWAY-4 LOT 26 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	2
Legal Lot Number	26
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1024
Census Tract	20103

Owner

174 Jefferson Dr is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	174 JEFFERSON DR, PALMYRA, VA 22963-2302
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
May 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Nov 1, 2019	Deed, Transfer · VA Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2019 · Amount on File
Deed Sale	Nov 1, 2019 · Amount on File
Deed Document Number	20193327
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	174 JEFFERSON DR, PALMYRA, VA 22963-2302
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210002451
Date	May 13, 2021
Instrument	210002451

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	174 JEFFERSON DR, PALMYRA, VA 22963-2302
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	WESTCOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200002659
Date	Jul 21, 2020
Instrument	200002659

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 1, 2019
Property Address	174 JEFFERSON DR, PALMYRA, VA 22963-2302
Document Number	1903327
Map Reference	PB 84 PG 27
Instrument Date	Oct 10, 2019
Instrument	1903327
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 JEFFERSON DR, PALMYRA, VA 22963-2302

Mortgage

Document Number	1903328
Date	Nov 1, 2019
Instrument	1903328

Lender

Name	NFM INC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 174 Jefferson Dr was $2,972.

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		$393,700 (-) Land $55,000 Building $338,700	$393,700 (-) Land $55,000 Building $338,700
2025	$2,972.00	$393,700 Land $55,000 Building $338,700	$393,700 Land $55,000 Building $338,700
2023		$317,200 Land $55,000 Building $262,200	$317,200 Land $55,000 Building $262,200
2022	$2,677.00

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

Flood

FEMA maps place 174 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 174 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.

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 165 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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