178 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 178 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 2001
Lot Size	0.371 acres (16,161 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Mar 2025)
Tax Bill	$2,157 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`18A 4 24`

Property Details

APN / Parcel Number

Primary APN	`18A 4 24`
Alternative APN	`596`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	3,192 sqft
1st Floor Area	1,344 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,161 sqft (0.371 acres)
Terrain	Rolling
Porch	Patio
Porch Area	264 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	596
Street Address	178 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 250000871 FAIRWAY-4 LOT 24 16,176 SF
Legal Subdivision	FAIRWAY
Legal Block	2
Legal Lot Number	24
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	1
Census Block	1024
Census Tract	20103

Owner

178 Jefferson Dr is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	178 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
Mar 26, 2025	Cash Sale Deed, Transfer · Conventional Mortgage GRAY FOX MORTGAGE LLC
Sep 28, 2017	Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2025 · Amount on File
Deed Sale	Mar 26, 2025 · Amount on File
Prior Sale	Sep 28, 2017 · Amount on File
Deed Document Number	2025871
Record Updated	Sep 20, 2026

March 2025: Cash Sale Deed, Transfer

Document Type	Cash Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 26, 2025
Property Address	178 JEFFERSON DR, PALMYRA, VA 22963-2302
Document Number	0250000871
Map Reference	DB 84 PG 29
Instrument Date	Feb 28, 2025
Instrument	250000871
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	178 JEFFERSON DR, PALMYRA, VA 22963-2302

Mortgage

Document Number	0250000872
Date	Mar 26, 2025
Instrument	250000872

Lender

Name	GRAY FOX MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2055

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Sep 28, 2017
Property Address	178 JEFFERSON DR, PALMYRA, VA 22963-2302
Document Number	0001703157
Map Reference	PB 84 PG 29
Instrument Date	Sep 19, 2017
Instrument	1703157
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 JEFFERSON DR, PALMYRA, VA 22963-2302

Tax Assessment & Valuation

The 2025 property tax bill for 178 Jefferson Dr was $2,157, up 0.7% from the year before.

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		$285,800 (-) Land $55,000 Building $230,800	$285,800 (-) Land $55,000 Building $230,800
2025	$2,157.00 (+0.65%)	$285,800 Land $55,000 Building $230,800	$285,800 Land $55,000 Building $230,800
2024	$2,143.00
2023		$220,900 Land $55,000 Building $165,900	$220,900 Land $55,000 Building $165,900
2022	$1,864.00

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

Flood

FEMA maps place 178 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 178 Jefferson Dr is low, with a 0.02% 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	0.02% 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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