45 Jefferson Dr, Palmyra, VA 22963 Property Records

Fluvanna County property record for 45 Jefferson Dr, Palmyra, VA 22963

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,632 sqft · built 2002
Lot Size	0.284 acres (12,371 sqft)
Owner	Individual Name on File
Last Sale	$196,000 (May 2020)
Tax Bill	$2,655 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18A 1 391`

Property Details

APN / Parcel Number

Primary APN	`18A 1 391`
Alternative APN	`7590`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	2,636 sqft
1st Floor Area	1,536 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2014
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,371 sqft (0.284 acres)
Terrain	Rolling
Porch	Porch
Porch Area	36 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7590
Street Address	45 JEFFERSON DR
City	PALMYRA
State	VA
Zip	22963-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	INST 200001770 ASHLAWN-1 LOT 391 12,383 SF
Legal Subdivision	ASHLAWN LAKE MONTICELLO SUBDIVISION
Legal Block	39
Legal Lot Number	391
Jurisdiction	FLUVANNA VA
Township / Civil Division	PALMYRA
Census Block Group	1
Census Block	1000
Census Tract	20103

Owner

45 Jefferson Dr is owned and occupied by an individual who acquired it in December 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	45 JEFFERSON DR, PALMYRA, VA 22963-2010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Gift Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
May 21, 2020	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2020 · Amount on File
Deed Sale	May 21, 2020 · Amount on File
Deed Document Number	20201770
Last Transfer Date	Dec 11, 2024
Transfer Doc	0000003318
Record Updated	Sep 20, 2026

March 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	FLUVANNA VA
Recording Date	Mar 11, 2021
Property Address	45 JEFFERSON DR, PALMYRA, VA 22963-2010
Document Number	0210001234
Map Reference	DB 76 PG 206
Instrument Date	Mar 5, 2021
Instrument	210001234
Transaction Type	Transfer
Record Updated	Dec 30, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 JEFFERSON DR, PALMYRA, VA 22963-2010

Mortgage

Document Number	0210001235
Date	Mar 11, 2021
Instrument	210001235

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FLUVANNA VA
Recording Date	May 21, 2020
Property Address	45 JEFFERSON DR, PALMYRA, VA 22963-2010
Document Number	0200001770
Map Reference	DB 76 PG 206
Instrument Date	May 13, 2020
Instrument	200001770
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	STEWART TITLE GUARANTY CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$196.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 JEFFERSON DR, PALMYRA, VA 22963-2010

Mortgage

Document Number	0200001771
Date	May 21, 2020
Instrument	200001771

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 45 Jefferson Dr was $2,655, up 0.7% from the year before.

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		$351,700 (-) Land $30,000 Building $321,700	$351,700 (-) Land $30,000 Building $321,700
2025	$2,655.00 (+0.68%)	$351,700 Land $30,000 Building $321,700	$351,700 Land $30,000 Building $321,700
2024	$2,637.00
2023		$247,800 Land $30,000 Building $217,800	$247,800 Land $30,000 Building $217,800
2022	$2,091.00

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

Flood

FEMA maps place 45 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	3 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 45 Jefferson Dr is low, with a 0.02% 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	0.02% 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 257 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

May also be available: T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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