291 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 291 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,541 sqft · built 1996
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Mar 2025)
Tax Bill	$3,016 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 8 3`

Property Details

APN / Parcel Number

Primary APN	`18A 8 3`
Alternative APN	`7972`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,541 sqft Living Area
Gross Area	3,986 sqft
1st Floor Area	1,541 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft
Deck Area	394 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	7972
Street Address	291 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 250000926 NAHOR-8 LOT 3 15,000 SF
Legal Subdivision	PHASE EIGHT-NAHOR LAKE MONTICELLO
Legal Lot Number	3
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2004
Census Tract	20103

Owner

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

Owner of Record	2 Individual Names on File
Mailing Address	291 JEFFERSON DR, PALMYRA, VA 22963-2601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2025	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Nov 17, 2023	Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2025 · Amount on File
Deed Sale	Mar 31, 2025 · Amount on File
Prior Sale	Nov 17, 2023 · Amount on File
Deed Document Number	2025926
Record Updated	Sep 20, 2026

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 31, 2025
Property Address	291 JEFFERSON DR, PALMYRA, VA 22963-2601
Document Number	0250000926
Map Reference	DB 89 PG 638
Instrument Date	Feb 25, 2025
Instrument	250000926
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	SABE TITLE, SAGE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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	291 JEFFERSON DR, PALMYRA, VA 22963-2601

Mortgage

Document Number	0250000927
Date	Mar 31, 2025
Instrument	250000927

Lender

Name	PROSPERITY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2045

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Nov 17, 2023
Property Address	291 JEFFERSON DR, PALMYRA, VA 22963-2601
Document Number	0230003184
Map Reference	DB 89 PG 638
Instrument Date	Nov 15, 2023
Instrument	230003184
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	CROSSROADS TITLE AGENCY, CROSSROADS TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	291 JEFFERSON DR, PALMYRA, VA 22963-2601

Mortgage

Document Number	0230003185
Date	Nov 17, 2023
Instrument	230003185

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 291 Jefferson Dr was $3,016, up 0.6% 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		$399,600 (-) Land $30,000 Building $369,600	$399,600 (-) Land $30,000 Building $369,600
2025	$3,016.00 (+0.63%)	$399,600 Land $30,000 Building $369,600	$399,600 Land $30,000 Building $369,600
2024	$2,997.00
2023		$256,300 Land $30,000 Building $226,300	$256,300 Land $30,000 Building $226,300
2022	$2,163.00

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

Flood

FEMA maps place 291 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	1 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 291 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 264 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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