449 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 449 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,568 sqft · built 2001
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Oct 2025)
Tax Bill	$2,255 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 5 288`

Property Details

APN / Parcel Number

Primary APN	`18A 5 288`
Alternative APN	`917`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Gross Area	2,712 sqft
1st Floor Area	1,568 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2013
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,985 sqft (0.344 acres)
Terrain	Rolling
Porch	Porch
Porch Area	168 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	917
Street Address	449 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	DB 881-934 TUFTON-5 LOT 288 15,000 SF
Legal Subdivision	TUFTON LAKE MONTICELLO SUBDIVISION
Legal Block	28
Legal Lot Number	288
Jurisdiction	FLUVANNA VA
Township / Civil Division	CUNNINGHAM
Census Block Group	2
Census Block	2017
Census Tract	20104

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1226 OLD TRAIL DR, CROZET, VA 22932-3379
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2025	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Oct 10, 2025	Bargain and Sale Deed, Transfer · Conventional Mortgage TOWNE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Jul 28, 2023 · Amount on Record
Deed Document Number	20253123
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLUVANNA VA
Property Address	449 JEFFERSON DR, PALMYRA, VA 22963-2809
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	UNKNOWN, RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0250001835
Date	Jun 20, 2025
Instrument	250001835

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	FLUVANNA VA
Recording Date	Oct 10, 2025
Property Address	449 JEFFERSON DR, PALMYRA, VA 22963-2809
Document Number	0250003123
Instrument Date	Sep 8, 2025
Instrument	250003123
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 OLD TRAIL DR, CROZET, VA 22932-3379

Mortgage

Document Number	0250003124
Date	Oct 10, 2025
Instrument	250003124

Lender

Name	TOWNE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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		$298,700 (-) Land $30,000 Building $268,700	$298,700 (-) Land $30,000 Building $268,700
2025	$2,255.00 (+0.67%)	$298,700 (+27.21%) Land $30,000 Building $268,700	$298,700 (+27.21%) Land $30,000 Building $268,700
2024	$2,240.00 (+13.07%)
2023		$234,800 Land $30,000 Building $204,800	$234,800 Land $30,000 Building $204,800
2022	$1,981.00

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	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

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.

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