185 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 185 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,912 sqft · built 1991
Lot Size	0.429 acres (18,687 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Apr 2017)
Tax Bill	$2,416 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18A 4 10`

Property Details

APN / Parcel Number

Primary APN	`18A 4 10`
Alternative APN	`958`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,912 sqft Living Area
Gross Area	4,603 sqft
1st Floor Area	1,888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2004
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,687 sqft (0.429 acres)
Terrain	Rolling
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	162 sqft
Patio Area	200 sqft
Balcony Area	24 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	958
Street Address	185 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 984-403 FAIRWAY-4 LOT 10 18,700 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	1
Legal Lot Number	10
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1021
Census Tract	20103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	185 JEFFERSON DR, PALMYRA, VA 22963-2303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Apr 11, 2017	Quit Claim Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	20171145
Prior Transfer Date	Feb 16, 2017
Prior Transfer Doc	0000001145
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	185 JEFFERSON DR, PALMYRA, VA 22963-2303
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	LAWYERS TITLE REALTY SERVICES INC, LAWYERS TITLE REALTY SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210003791
Date	Jul 30, 2021
Instrument	210003791

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	185 JEFFERSON DR, PALMYRA, VA 22963-2303
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1902831
Date	Sep 19, 2019
Instrument	1902831

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLUVANNA VA
Recording Date	Apr 11, 2017
Property Address	185 JEFFERSON DR, PALMYRA, VA 22963-2303
Document Number	1701145
Map Reference	PB 84 PG 27
Instrument Date	Feb 16, 2017
Instrument	1701145
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 JEFFERSON DR, PALMYRA, VA 22963-2303

Mortgage

Document Number	1701146
Date	Apr 11, 2017
Instrument	1701146

Lender

Name	PRIMELENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$320,100 (-) Land $30,000 Building $290,100	$320,100 (-) Land $30,000 Building $290,100
2025	$2,416.00 (+9.82%)	$320,100 (+22.78%) Land $30,000 Building $290,100	$320,100 (+22.78%) Land $30,000 Building $290,100
2023		$260,700 Land $30,000 Building $230,700	$260,700 Land $30,000 Building $230,700
2022	$2,200.00

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

Flood

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

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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