433 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 433 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,956 sqft · built 1995
Lot Size	0.346 acres (15,072 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,900 (Feb 2025)
Tax Bill	$2,610 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 12 463`

Property Details

APN / Parcel Number

Primary APN	`18A 12 463`
Alternative APN	`6321`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,956 sqft Living Area
Gross Area	5,059 sqft
1st Floor Area	1,860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,072 sqft (0.346 acres)
Terrain	Rolling
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	347 sqft
Deck Area	45 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	6321
Street Address	433 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 250000488 EDGEWOOD-12 LOT 463 15,059 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	46
Legal Lot Number	463
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	3
Census Block	3019
Census Tract	20104

Owner

Source: Fluvanna County records, as of July 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	433 JEFFERSON DR, PALMYRA, VA 22963-2808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Jun 20, 2018	Bargain and Sale Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2025 · Amount on Record
Deed Sale	Feb 24, 2025 · Amount on Record
Prior Sale	Oct 15, 2024 · Amount on Record
Deed Document Number	2025488
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	433 JEFFERSON DR, PALMYRA, VA 22963-2808
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0230001721
Date	Jun 26, 2023
Instrument	230001721

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jul 1, 2063

June 2018: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jun 20, 2018
Property Address	433 JEFFERSON DR, PALMYRA, VA 22963-2808
Document Number	0001801889
Map Reference	PB 104 PG 113
Instrument Date	Apr 24, 2018
Instrument	1801889
Transaction Type	Transfer
Record Updated	Jul 13, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 JEFFERSON DR, PALMYRA, VA 22963-2808

Mortgage

Document Number	0001801890
Date	Jun 20, 2018
Instrument	1801890

Lender

Name	FINANCE OF AMERICA MORTGAGE

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		$345,800 (-) Land $30,000 Building $315,800	$345,800 (-) Land $30,000 Building $315,800
2025	$2,610.00 (+7.99%)	$345,800 (+20.74%) Land $30,000 Building $315,800	$345,800 (+20.74%) Land $30,000 Building $315,800
2023		$286,400 Land $30,000 Building $256,400	$286,400 Land $30,000 Building $256,400
2022	$2,417.00

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	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

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 85 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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