Fluvanna County property record for 409 Justin Dr, Palmyra, VA 22963
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,984 sqft · built 2008 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,195 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18 12 97 |
| Primary APN | 18 12 97 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 4,037 sqft |
| 1st Floor Area | 1,804 sqft |
| Basement Area | 1,082 sqft |
| Finished Basement | 551 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Terrain | Rolling |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 125 sqft |
| Deck Area | 384 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 JUSTIN DR |
|---|---|
| City | PALMYRA |
| State | VA |
| Zip | 22963-2084 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-3 |
| Legal Description | DB 955-121 AC 0.4396 SYCAMORE SQUARE PHASE II |
| Legal Subdivision | SYCAMORE SQUARE |
| Legal Phase | 2 |
| Legal Block | 9 |
| Jurisdiction | FLUVANNA VA |
| Township / Civil Division | PALMYRA |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 20101 |
409 Justin Dr is owned and occupied by two individuals who acquired it in January 2016.
Source: Fluvanna County records, as of June 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 JUSTIN DR, PALMYRA, VA 22963-2084 |
| 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.
| Date | Document |
|---|---|
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Jan 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2016 |
| Deed Sale | Jan 14, 2016 |
| Prior Sale | Jul 30, 2015 · Amount on File |
| Deed Document Number | 2016107 |
| Prior Transfer Date | Oct 13, 2009 |
| Prior Transfer Doc | 805/751 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 409 JUSTIN DR, PALMYRA, VA 22963-2084 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0200001426 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 200001426 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLUVANNA VA |
| Property Address | 409 JUSTIN DR, PALMYRA, VA 22963-2084 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0220000166 |
|---|---|
| Date | Jan 14, 2022 |
| Instrument | 220000166 |
| Name | WATERSTONE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 409 Justin Dr was $3,195, up 0.7% from the year before.
Source: Fluvanna County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Virginia |
| County | Fluvanna County |
| Unified School District | Fluvanna County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $423,300 (-) Land $35,000 Building $388,300 | $423,300 (-) Land $35,000 Building $388,300 | |
| 2025 | $3,195.00 (+0.66%) | $423,300 Land $35,000 Building $388,300 | $423,300 Land $35,000 Building $388,300 |
| 2024 | $3,174.00 | ||
| 2023 | $379,400 Land $35,000 Building $344,400 | $379,400 Land $35,000 Building $344,400 | |
| 2022 | $3,202.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Justin 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 | 5 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 risk around 409 Justin 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 222 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 |
| Brightspeed DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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