296 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 296 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,956 sqft · built 1997
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jul 2026)
Tax Bill	$2,566 (2025)
Deeds & Mortgages	Jul 2026 Sale Jun 2006 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18A 8 115`

Property Details

APN / Parcel Number

Primary APN	`18A 8 115`
Alternative APN	`4550`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,956 sqft Living Area
Gross Area	4,596 sqft
1st Floor Area	1,740 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4550
Street Address	296 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 757-430 NAHOR-8 LOT 115 15,000 SF
Legal Subdivision	BROKEN ISLAND SUBDIVISION
Legal Block	11
Legal Lot Number	115
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	3
Census Block	3011
Census Tract	20104

Owner

296 Jefferson Dr is owned and occupied by an individual who bought it in July 2026.

Source: Fluvanna County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606
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
Jul 30, 2026	Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN
Jun 2, 2006	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Jan 21, 2005	Deed of Trust, Mortgage · Line of Credit E-LOAN INC
Apr 21, 2006	Deed of Trust, Mortgage · Line of Credit STOCK BUILDING SUPPLY INC
Apr 21, 2006	Deed of Trust, Mortgage · Line of Credit BUILDING SUPPLY INC
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 25, 2008	Warranty Deed, Transfer · ARM CENTURY 21 MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2026 · Amount on File
Deed Sale	Jul 30, 2026 · Amount on File
Prior Sale	Feb 25, 2008 · Amount on File
Deed Document Number	20262314
Prior Transfer Date	Aug 4, 2005
Prior Transfer Doc	0000005373
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jul 30, 2026
Property Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606
Document Number	0000002314
Instrument Date	Jul 27, 2026
Instrument	20262314
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Tax	$37,875.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000685/645
Date	Jun 2, 2006
Book Page	685/645
Instrument	3146

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000615/796
Date	Jan 21, 2005
Book Page	615/796
Instrument	0413

Lender

Name	E-LOAN INC
Type	Lending Institution
Address	PLEASANTON, CA 94588

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 1, 2015

Interest

Rate Type	Adjustable Rate

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000679/620
Date	Apr 21, 2006
Book Page	679/620
Instrument	2236

Lender

Name	STOCK BUILDING SUPPLY INC
Type	Non-Lending Institution
Address	HENRICO, VA 23231

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000679/634
Date	Apr 21, 2006
Book Page	679/634
Instrument	2237

Lender

Name	BUILDING SUPPLY INC
Address	NORFOLK, VA 23502

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Recording Date	May 11, 2026
Property Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606
Document Number	0000001358
Instrument Date	May 6, 2026
Instrument	20261358
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606

Mortgage

Document Number	0000001358,
Date	May 11, 2026
Instrument	20261358

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

February 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLUVANNA VA
Recording Date	Feb 25, 2008
Property Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606
Document Number	757/430
Book / Page	757 / 430
Map Reference	DD89 PG637-640
Instrument Date	Feb 19, 2008
Instrument	0799
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE INSURANCE COMP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	296 JEFFERSON DR, PALMYRA, VA 22963-2606

Mortgage

Document Number	000757/432
Date	Feb 25, 2008
Book Page	757/432
Instrument	0800

Lender

Name	CENTURY 21 MORTGAGE
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2013
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.8%
Index	1-Year LIBOR
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 296 Jefferson Dr was $2,566.

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		$339,900 (-) Land $30,000 Building $309,900	$339,900 (-) Land $30,000 Building $309,900
2025	$2,566.00	$339,900 Land $30,000 Building $309,900	$339,900 Land $30,000 Building $309,900
2023		$273,500 Land $30,000 Building $243,500	$273,500 Land $30,000 Building $243,500
2022	$2,308.00

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

Flood

FEMA maps place 296 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	7 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 296 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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