446 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 446 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,985 sqft · built 2004
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jan 2019)
Tax Bill	$2,399 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 5 564`

Property Details

APN / Parcel Number

Primary APN	`18A 5 564`
Alternative APN	`1543`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,985 sqft Living Area
Gross Area	4,786 sqft
1st Floor Area	1,557 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2011
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	158 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1543
Street Address	446 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 190000272 TUFTON-5 LOT 564 15,000 SF
Legal Subdivision	LAKE MONTICELLO
Legal Block	56
Legal Lot Number	564
Jurisdiction	FLUVANNA VA
Township / Civil Division	RIVANNA
Census Block Group	2
Census Block	2005
Census Tract	20104

Owner

446 Jefferson Dr is owned by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	20354 FLUSHING MEADOWS CT, ASHBURN, VA 20147-3854
Owner Type	Individual
Vesting	Et Al (and Others)

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
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Jan 30, 2019	Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2019 · Amount on File
Deed Sale	Jan 30, 2019 · Amount on File
Prior Sale	May 11, 2016
Deed Document Number	2019272
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	446 JEFFERSON DR, PALMYRA, VA 22963-2807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200004042
Date	Oct 9, 2020
Instrument	200004042

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2040

Interest

Rate Type	Fixed Rate

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	Jan 30, 2019
Property Address	446 JEFFERSON DR, PALMYRA, VA 22963-2807
Document Number	1900272
Map Reference	PG 960 PG 982
Instrument Date	Jan 11, 2019
Instrument	1900272
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
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	20354 FLUSHING MEADOWS CT, ASHBURN, VA 20147-3854

Mortgage

Document Number	1900273
Date	Jan 30, 2019
Instrument	1900273

Lender

Name	SUNTRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 446 Jefferson Dr was $2,399.

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		$317,800 (-) Land $30,000 Building $287,800	$317,800 (-) Land $30,000 Building $287,800
2025	$2,399.00	$317,800 Land $30,000 Building $287,800	$317,800 Land $30,000 Building $287,800
2023		$256,200 Land $30,000 Building $226,200	$256,200 Land $30,000 Building $226,200
2022	$2,162.00

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

Flood

FEMA maps place 446 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 446 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 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.

Nearby Properties on Jefferson Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures